Your Future Pay Can TRIPLE Your Buying Power

June 9, 2026

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David Ghazaryan

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TL;DR

Securing a jumbo loan with Restricted Stock Units (RSUs) requires understanding how lenders view this type of compensation. Here is a summary of the key points:

Vested vs. Unvested RSUs: Lenders treat vested RSUs as assets that can be sold for a down payment, while unvested RSUs are considered future income used to improve your debt-to-income ratio.
Overcoming Lender Skepticism: Many lenders are wary of the variable nature of unvested RSU income. Success often depends on providing undeniable proof of its stability and continuity.
Essential Documentation: A detailed vesting schedule is the most critical document, outlining grant dates, total shares, and specific vesting dates. This is often supplemented with an employer verification letter and a two-year history of RSU income shown on W-2s and pay stubs.
Managing Volatility: Underwriters do not use peak stock prices. Instead, they calculate a conservative income figure by averaging the stock price or applying a 'haircut', which is a 20-30% reduction to the value of your future vesting shares.

Read the full blog article here: https://www.iqratemortgages.com/blog/how-unvested-rsus-secure-your-texas-jumbo-mortgage

Video Transcript:

Many people mistakenly believe their future stock is untouchable, not real cash they can use for a new home today. This common misconception holds you back. I’m David Ghazaryan, and I've developed a unique method to change how lenders view your compensation. I make them see your future pay as present value. Our innovative process doesn't just estimate your earnings; we definitively prove your next three years of total compensation, including stock and bonuses, right now for lenders. This powerful, verified proof is the key that unlocks your financial potential. It effectively turns your future stock and income into tangible, immediate buying power today. Instead of lenders only considering your base salary, your full compensation gets counted. This dramatically increases your loan qualification, letting you buy bigger, better homes now. Are you ready to unlock your true home buying potential? See my full, detailed breakdown and client success stories on our official site and social pages.

Read Blog Here: https://www.iqratemortgages.com/blog/how-unvested-rsus-secure-your-texas-jumbo-mortgage

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