Do banks (i.e. mortgage lenders / brokers) take your rsus into consideration when they look at your compensation package of a public company since its basically like cash or are they only look at your base + 2 years of bonuses. (I know they want 2 years of bonuses from having worked in the financial services industry where cash year and bonuses are a big part of total tc)

Again, the rsus are rsus of a very liquid large tech company. Assuming this matters in the banks consideration.

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How liquid is this? For the purposes of determining income for underwriting, you can include capital gains.

Ok, so the main factor that lenders use to determine whether you qualify for the amount of the loan you apply for is your DTI (debt to income) ratio. What is your monthly debts divided by your monthly income. Anything over 45% is dicey.

So in order for the rsus to help your chances, it needs to be included as income, which means you probably have to be able to show a 2 year history of capital gains received from selling them. Remember, the main factor is income. If you are not selling them and getting income from them, they are just an asset.

This is helpful but things I already know and still doesn't directly answer my question.....

Look at the guide regarding Employment-Related Assets as Qualifying Income. That probably applies best to your scenario.

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RSUs will only be treated to calculate your assets,not income. Most lenders want to see you have assetsto support 6 month of payments in case of the unfortunate incidents.

Typically 401k, brokerage acoount and RSUs are valued at 75% of their current value based for counting towards assets.

They will NOT be counted towards income

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