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How do lenders evaluate RSUs when you apply for a mortgage or loan?

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Seattle Broker

Posted 1 day ago

Lenders assess more than just the number of vested shares. They look at your credit score, employment history, income stability, existing debt, and the quality of your collateral (the RSUs). Because stock value fluctuates, lenders typically allow borrowing only a percentage of vested RSU value (commonly LTV of 50-70%). The riskier the stock or concentration, the stricter the terms.

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