Pros and Cons of a Gift of Equity
Pros and Cons of a Gift of Equity A gift of equity can be one of the most effective ways for families to help each other achieve homeownership. It allows a homeowner to sell their property below market value…
The Process and Documentation Lenders Require for a Gift of Equity
A gift of equity can be a powerful way for families to help each other achieve homeownership. But unlike a typical home sale, this type of transaction involves a few extra steps and specific documentation that must meet lender…
Fannie Mae and Freddie Mac Guidelines for Gift of Equity
When a family sells a home to another family member, a gift of equity can be an excellent way to make homeownership possible without a large cash down payment. But because most conventional loans follow Fannie Mae or Freddie…
What Is a Gift of Equity and How Does It Work?
What Is a Gift of Equity? When families buy and sell property to one another, the transaction often looks a little different than a typical real estate sale. Instead of exchanging the full market price, one party may choose…
Gift of Equity: Complete Guide for Homebuyers and Families
Buying or selling a home within a family can be both practical and meaningful. For many families, a gift of equity provides a way to help loved ones achieve homeownership while keeping a property in the family. It’s a…
The Future of RSUs in Mortgage Lending: What Borrowers Should Expect
Introduction Restricted stock units (RSUs) are no longer a niche form of compensation. In the tech industry and beyond, RSUs have become a major part of how employees are paid. As more professionals rely on stock grants for income…
RSU Income vs. Bonus vs. Commission: How Lenders See the Difference
Introduction Not all income is created equal in the eyes of a mortgage lender. While salary is the most straightforward, many borrowers rely on restricted stock units (RSUs), bonuses, or commissions to boost their qualifying income. The challenge is…
Top 7 RSU Mortgage Mistakes to Avoid in 2025
Introduction Restricted stock units (RSUs) can be a powerful tool for qualifying for a mortgage, but only if they are used correctly. Many borrowers make mistakes that cause lenders to exclude their RSU income or reduce their buying power…
Documentation Checklist: Proving RSU Income for Mortgage Approval
Introduction When it comes to qualifying for a mortgage, documentation is everything. This is especially true if a significant part of your income comes from restricted stock units (RSUs). Unlike salary or hourly wages, RSU income requires more detailed…
How Fannie Mae and Freddie Mac Treat RSU Income in 2025
Introduction Restricted stock units (RSUs) are a common form of compensation for tech professionals and employees at large corporations. While RSUs can make up a significant part of income, they are not always straightforward when it comes to qualifying…
