Gross / Net / RSU Mortgage Income Guide

Generally on a vest history with likely continuance — typically a two-year track record valued on a share-price average. Unvested future grants usually don't count at all, which is why documentable income is often well below your total comp.

Usually only with a two-year history, averaged, and only if it looks likely to continue. A first-year bonus or a just-changed comp structure often can't be used yet, which changes your timing.

What you earn (base plus bonus plus grant value), what a lender documents (base, averaged bonus, vested-RSU history), and what you keep (after-tax take-home). Build the offer on the second, the lifestyle on the third, never on the first.

Yes — it's a real lift versus a high-income-tax state on the same gross, which is why relocating buyers find their spendable income stretches further here. It affects your budget, not what the lender documents.

Often yes, with the vest history and reserves; some buyers also use asset-based loans. The key is a lender fluent in RSU documentation — the wrong lender undercounts you and shrinks your price.

Your comp or offer letter, vesting schedule, and two years of vest and bonus history. With those, a price and a lender can be matched to what actually counts.