Francisco Williams, CCIM
Non-QM & Alternative Doc

Alt-Doc — Equity Comp

RSU / Restricted-Stock Income

Qualify using RSU vesting schedules — common for tech, biotech, and finance employees.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

720

Min FICO

85%

Max LTV

full doc

Docs

Ideal borrower

Tech/finance employees with significant RSU income.

Program highlights

  • RSU grant letters + vesting schedule
  • 3-year average or remaining-vest approach

Typical uses

  • Tech-employee home purchase

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.

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