Do lenders consider annual bonuses and RSUs?

Currently own a home now but looking to purchase a new primary with me being the sole applicant.

I already had my credit pulled and pre-qualified for a loan but now I’m second guessing the income and assets I submitted.

Does anyone know or have any experience with lenders and how they consider annual bonuses and RSUs? For more context: I recently started a new position with a new company that offers RSUs and an annual bonus. Only been there for less than a year but have been employed consistently for the last 6-7 years in similar roles (with salary bumps each time).

I’ve been trying to get a hold of the loan officer but haven’t been able to talk to him yet. Any insight would be greatly appreciated!

Edit: Adding in California as my location in case it’s helpful.

submitted by /u/illadave
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Currently own a home now but looking to purchase a new primary with me being the sole applicant. I already had my credit pulled and pre-qualified for a loan but now I’m second guessing the income and assets I submitted. Does anyone know or have any experience with lenders and how they consider annual bonuses and RSUs? For more context: I recently started a new position with a new company that offers RSUs and an annual bonus. Only been there for less than a year but have been employed consistently for the last 6-7 years in similar roles (with salary bumps each time). I’ve been trying to get a hold of the loan officer but haven’t been able to talk to him yet. Any insight would be greatly appreciated! Edit: Adding in California as my location in case it’s helpful. submitted by /u/illadave [link] [comments]

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