Buying a high-value home with a jumbo loan, step by step
Bonus and stock income
In brief
Lenders can count variable pay like bonuses, commissions and vested stock if it is documented and likely to continue. They often look for a two-year history and an employer statement. Unvested or irregular awards may count less or not at all, so ask how the lender treats your pay mix.
Last reviewed against the primary sources listed below.
Documents
- Pay stubs and W-2s for two years.
- Employer letter on bonus structure.
- Vesting schedules and brokerage statements.
Buyer questions
Can bonus income be used to qualify for a mortgage?
Yes, if it is documented and likely to continue.
Do lenders count restricted stock?
Some count vested stock with a history; policies vary.