Video Transcript:
Lenders see your unvested stock units as uncertain future income, not reliable money for a loan. This structural misread severely limits your true home buying power. I'm David Ghazaryan. I structure the application to reframe this income for underwriters. We document its history and consistency, forcing them to count it correctly. Here is how they calculate it. They average your last two years of RSU income. Then they apply a haircut, often taking only seventy-five percent. (Data may vary over time). We convert this specific weakness into documented strength. A standard verification note is not enough. We secure a detailed employer letter confirming the program’s expected continuation. Beyond income, your vested stock works as powerful reserves. Lenders see these assets as a deep financial cushion, which significantly reduces their calculated risk on you. This framework drives all my strategies. For more market analysis like this, follow all my platforms online. The full article for this topic is in the description.
Read Blog Here: https://www.iqratemortgages.com/blog/jumbo-loan-with-rsus-in-california-qualify-with-stock
