RSU and Stock Compensation
Restricted Stock Units (RSUs) are a major component of tech compensation at companies like Apple, Google, Meta, and others. For mortgage qualification, lenders typically want 2+ years of consistent RSU vesting history documented on tax returns. Some jumbo lenders accept RSU income more aggressively, counting projected vesting schedules. The key is demonstrating a consistent, ongoing pattern of RSU compensation. Save Financial works with jumbo lenders who have specific RSU-friendly underwriting guidelines.
Startup Founders and Early Employees
Pre-IPO startup employees face unique challenges because stock options and pre-revenue equity don't count as income for mortgage qualification. Solutions include bank statement loans (qualifying on salary deposits rather than tax returns), asset-depletion programs (if you've had a liquidity event), P&L statement loans for founders taking regular draws, and co-borrower strategies where a spouse with W-2 income helps qualify. Post-IPO or post-acquisition, the picture changes dramatically — large stock sales create both qualifying income and significant assets for qualification.
Jumbo Loans for High-Cost Tech Markets
In the Bay Area, where median home prices exceed $1.4 million, jumbo loans are standard. Tech workers typically have strong profiles for jumbo qualification: high base salaries, consistent RSU vesting, excellent credit, and significant savings. Save Financial secures jumbo rates that often match conforming rates for well-qualified tech borrowers. We serve all major tech corridors — San Francisco, Palo Alto, Mountain View, Cupertino, San Jose, Irvine, Los Angeles, and San Diego.
Remote Tech Workers and Relocation
California's remote work revolution has tech workers buying in more affordable markets while keeping Bay Area or LA salaries. Sacramento, the Inland Empire, and Ventura County are popular destinations. Your mortgage qualification uses your full tech salary regardless of where you buy — a Bay Area salary buying a Sacramento home creates an extremely strong qualification profile. Save Financial serves all California markets and helps remote tech workers maximize their geographic advantage.