Gross / Net / RSU Mortgage Income Guide
In Washington, "income" means base, bonus, and RSUs - each counted differently. Sort it before you shop.
Financing and Mortgage
Direct answer
Washington's tech and medical buyers rarely have simple income. A lender may document base fully, average bonus, and treat RSUs on a vest-history basis. Knowing what actually counts keeps your offer plan realistic.
Work through the decision in order
What you earn
base, bonus, RSU grant value, other.
What a lender may document (verify)
base counted; bonus often needs 2-year history averaged; RSUs need vest history + continuance; unvested grants usually excluded.
What you keep
after-tax take-home (no WA state income tax - a lift vs. CA). Build the budget on documented income + real take-home, not grant headlines.
Your next move
Use the framework before the property creates urgency.
Bring the actual address, timing, financing assumptions, and open questions into a buyer strategy call before urgency takes over.
Decision guide · private in this browser
Gross / Net / RSU Mortgage Income Guide
Work through the decision without a form. Your selections stay in this browser. Bring the live facts into a buyer strategy call when you are ready.
Questions about Gross / Net / RSU Mortgage Income Guide
Q1What does the Gross / Net / RSU Mortgage Income Guide help me decide?+
Documentable income is [bucket 2]; spendable is [bucket 3]. Build the offer on the first, the lifestyle on the second - never on the grant headline.
Q2Does the Gross / Net / RSU Mortgage Income Guide apply in Bellevue, Kirkland, and Seattle?+
Yes. The decision framework is shared across all three markets. Address-specific pricing, rules, schools, taxes, insurance, and property facts still need live verification.
Q3What information should I gather before using the Gross / Net / RSU Mortgage Income Guide?+
Start with the live address, your timing, available cash, financing assumptions, and any property documents tied to the decision. Use only the inputs that apply to your situation.
Q4How current is the Gross / Net / RSU Mortgage Income Guide?+
This guide was reviewed on July 31, 2026. Confirm live rates, rules, availability, costs, and property facts before you act.
Q5Is the Gross / Net / RSU Mortgage Income Guide a substitute for professional advice?+
No. It is educational planning material, not a loan approval, inspection conclusion, appraisal, legal opinion, or tax conclusion.
Q6When should I bring the Gross / Net / RSU Mortgage Income Guide result into a Real Estate Review?+
Bring it in when the result changes what you would buy, sell, repair, finance, or postpone. The review can pressure-test the live property and household plan.
Q7Can I use the Gross / Net / RSU Mortgage Income Guide before speaking with a lender or inspector?+
Yes. Use it to organize questions first, then verify financing with a lender and condition findings with the appropriate property professionals.
Q8What is the next step after using the Gross / Net / RSU Mortgage Income Guide?+
Mark the points that affect your decision, collect the missing facts, and book a Real Estate Review if you want to apply the framework to a specific property or move.
Make the next property decision with the facts in front of you.
Bring the address, timing, financing plan, and open questions. We will identify what to verify before you tour or write an offer.
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Next steps
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