Location: east side Seattle, BRK area Which lender recognize stock as part of income?
Consider looking into local credit unions, which may have more discretion in what they can consider as income. I was able to use equity assets for my mortgage qual, but I don't live in a tech-dominated city like Seattle/SF so I'm not sure if it will work for you.
BofA does
Stanford Credit Union
All of them, with 2 years history.
Do they recognize all or a percentage?
All, why would they recognize a percentage?
Why do you need to let them know those part on your w2 is stock? W2 did not mention part of your income is stock, they just your taxable income.
Most will do. They just ask 2 years of tax return and average it
How about new job offer?
Still need average for last 2 years
If moving from a startup to public company, how to leverage the new rsu in the offer letter?
Anyone used IBRK Margin for down payment? That 1% is super attractive without lose your stock or pay tax on selling.
if stock is simply held - it's an asset ( not income) ....if exercised / sold ( like many rsu questions ) it can be considered income by lenders if there is history and evidence it will continue
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Doesn't IRS recognize it as income? I believe bank will use average of last 2 years. So raises or increase in stock price don't count until their filed on your taxes.