Todd Uzzell
NMLS #1525192 | Loan Officer
I work with tech professionals in Phoenix and the Valley every day. RSUs, stock options, crypto income—I understand your comp structure. Non-QM loans built for your situation.
RSUs, stock options, crypto. We understand tech comp. No hassle, fast approval.
NMLS #1525192 | Loan Officer
I work with tech professionals in Phoenix and the Valley every day. RSUs, stock options, crypto income—I understand your comp structure. Non-QM loans built for your situation.
Doesn't follow standard QM (qualified mortgage) rules. Built for income types traditional lenders struggle with.
RSU vesting, stock options, crypto, bonus income verified via bank statements—no tax returns needed.
Built for high earners with non-traditional compensation. Fast underwriting, competitive rates.
Calculated as average vesting over grant period (typically 4 years). We use brokerage statements showing vesting schedule and tax withholding history.
Example: $400K grant ÷ 4-year vesting = $100K/year RSU income
Exercise history shows income patterns. We verify via broker statements and option pool documentation from employer.
Example: 2-year option exercise history averaging $75K/year exercises = $75K counted
Mining, staking, trading income verified via exchange statements, wallet history, and bank deposits. 12–24 month history required.
Example: 24-month average of monthly deposits from crypto exchange = counted income
Annualized based on offer letter or 2-year history. Structured bonuses (sign-on, performance, referral) all qualify.
Example: $80K base + $60K bonus history (2 years) = $140K counted income
Base Salary: $180,000
RSU Vesting: $150,000 (4-year $600K grant)
Sign-on Bonus: $60,000 (Year 1)
Total Income: $390,000
Home Purchase:
$450,000 home, 20% down = $360,000 loan
Monthly Payment Breakdown:
$2,280/month
*At 6.50% rate, principal + interest + taxes/insurance*
Base Salary: $250,000
RSU Vesting: $350,000 (4-year $1.4M grant)
Annual Bonus: $100,000
Total Income: $700,000
Home Purchase:
$650,000 home, 25% down = $487,500 loan
Monthly Payment Breakdown:
$3,195/month
*At 6.45% rate, principal + interest + taxes/insurance*
Deposit history showing income pattern. We underwrite based on deposits and average monthly deposits, not tax returns.
For RSUs, stocks, options, or crypto. Shows vesting schedule, exercise history, or trading activity confirming income claims.
For base salary, RSU grant, bonus structure confirmation. Lenders use this to verify income breakdown and future stability.
Minimum 660 FICO. Non-QM accepts lower scores than standard QM, but strong credit helps rates and approval odds.
15–30% typical. Non-QM carries higher lender risk, so down payment requirements are higher than conventional or QM.
RSU vesting counts differently than bonus. Stock options depend on exercise history. Crypto needs 12+ months verifiable history. We'll calculate correctly, but understand the differences.
Job change can complicate approval. If moving to a new employer, we need written offer letter + start date. Income history at prior employer doesn't transfer. Delay your move until after closing if possible.
If your RSU grant is cliff-vesting (ends year 4), future RSU vesting drops to zero. Lenders account for this decline. Communicate future grant plans upfront to show continued income.
No. Non-QM uses bank statements and brokerage statements instead of tax returns. Faster underwriting, less paperwork. Optional tax returns can strengthen application if favorable.
Average vesting over the grant period. $400K grant over 4 years = $100K/year. We use brokerage statements to confirm vesting schedule and vested values. Higher accuracy than tax returns show.
Future grants (not yet vesting) cannot be included. Only active grants in vesting phase. We count what you're currently earning or will earn in next 12 months from announced grants.
Typically 0.5–1.0% higher. Non-QM carries more lender risk (fewer guidelines). However, you skip tax return underwriting and qualify faster. Trade-off is worthwhile for tech professionals.
Same as conventional. Lender credits reduce rates by rebating a portion of underwriting fees. Non-QM can qualify for lender credits just like QM loans. Discuss with your loan officer.
For business owners with flexible income documentation. Similar non-QM flexibility.
For high-income tech professionals buying $766K+ homes. Flexible underwriting.
If you prefer to provide tax returns, conventional may offer slightly better rates.
Non-QM approval built for tech income. Fast, simple, competitive rates.