Most tech employees know their RSU income should count toward a mortgage. What they do not know is exactly how lenders calculate it, and the method matters a lot. The number your lender uses is not your brokerage balance, not today's stock price, and not the value on your grant letter. It comes from a specific formula involving W-2 history and stock price averaging that varies by loan program. Here is a step-by-step walkthrough so you can run the numbers yourself before you ever sit down with a lender.Read More