Video Transcript:
Many people think their unvested stock is useless for buying a home. Lenders say you can’t use it for the down payment, but they look at it another way. As David Ghazaryan, I structure these specific loans. I show lenders your clear vesting schedule, proving you have strong future income to make the payments. The key is a special loan. You use your vested stock as a promise. You borrow money for the down payment without selling any of your shares. So, if you need five hundred thousand dollars, you don’t sell your stock. You simply borrow against one million dollars of your shares, keeping investments safe. The biggest risk is your stock price falling. If it drops too much, the lender gets worried. They will demand more money or sell your shares. This strategy has many moving parts. For a complete breakdown, I share analysis on my platforms. The article and links are waiting in the description below.
Read Blog Here: https://www.iqratemortgages.com/blog/buy-a-san-jose-home-before-your-stock-options-vest-a-guide
