Tech Employee Home Loans
Tech Employee Home Loans in Seattle, WA
Home loan guidance for tech employees in Seattle. Qualify using RSU vesting, stock options, ESPP, and equity compensation — not just base salary — with jumbo financing and employer home-purchase assistance handled by a loan officer who understands tech comp.
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Tech Employee Home Loans in Seattle, WA
Seattle is the anchor of Puget Sound tech, with Amazon's headquarters in South Lake Union plus large Seattle campuses for Google, Meta, Apple, and dozens of well-funded startups. That means a big share of local buyers are compensated in restricted stock units and other equity rather than salary alone — and most lenders underwrite that income poorly, leaving qualifying power on the table.
As a Seattle-based, Washington-licensed loan officer, I document RSU vesting, stock, and bonus income the way it actually appears on your W-2s and grant schedules, so your two-year equity history is fully counted. In a market where in-city homes routinely push into jumbo territory, presenting equity comp correctly is often the difference between a modest approval and the loan the neighborhood actually requires.
RSU & Equity Income Counted
A documented two-year history of RSU vesting, ESPP, and bonuses is averaged into your qualifying income, so equity comp — not just base pay — drives the loan amount you qualify for.
Jumbo Financing Built In
Eastside and Seattle prices routinely exceed conforming limits. Jumbo programs give full credit to tech income and allow the higher DTI these price points require.
Employer Assistance Handled
Relocation bonuses, closing-cost benefits, and home-purchase assistance can fund your down payment or closing costs once properly sourced and documented.
Strategic Application Timing
Back-loaded vesting schedules like Amazon's 5/15/40/40 mean the year you apply matters. Timing your application can meaningfully increase your buying power.
Frequently Asked Questions
Can I use Amazon RSU income to qualify for a home loan in Seattle?
Yes. With a two-year history of vesting documented on your W-2s and pay stubs, plus a current grant schedule showing continuance, RSU income is averaged and added to your qualifying income. Amazon's back-loaded 5/15/40/40 vesting means the year you apply matters, so timing an application in year three or four often maximizes your Seattle buying power.
Are Seattle tech home purchases usually jumbo loans?
Often, yes. Many in-city Seattle homes exceed the King County conforming limit, so financing crosses into jumbo territory. Jumbo programs work well for equity-compensated buyers because higher DTI tolerances and full credit for documented RSU and bonus income let strong tech earners qualify for the loan sizes this market requires.
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