Unlocking Loan Solutions with Radian: Restricted Stock Units (RSUs)

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.

- Listen to the Podcast: https://www.buzzsprout.com/948847/episodes/16207080
- Download the Job Aid: https://www.radian.com/-/media/Files/Enterprise/Training/QRG/uls-jobaid-rsu
- All episodes: https://www.radian.com/news-and-knowledge/training/unlocking-loan-solutions?utm_source=training&utm_medium=video-description&utm_campaign=uls-rsu

In this episode, we explore the topic of Restricted Stock Unit (RSU) income and how it may be used towards mortgage qualification. We delve into the definitions, guidelines, and calculation methods used by Fannie Mae and Freddie Mac for this increasingly common form of compensation. We discuss:
- What are Restricted Stock Units (RSUs) and how do they work?
- Fannie Mae and Freddie Mac guidelines for using RSU income in mortgage qualification
- Differences between performance-based and time-based RSU vesting
- Documentation requirements for RSU income verification
- Scenarios demonstrating RSU income calculations under different guidelines

Resources

- Fannie Mae Selling Guide - B3-3.1-09, Other Sources of Income - Restricted Stock Units and Restricted Stock Employment Income: https://selling-guide.fanniemae.com/sel/b3-3.1-09/other-sources-income#P12816
- Fannie Mae Selling Guide - B3-3.1-01, General Income Information - Continuity of Income: https://selling-guide.fanniemae.com/sel/b3-3.1-01/general-income-information#P1821
- Freddie Mac Seller/Servicer Guide - 5303.1, Employed income: https://guide.freddiemac.com/app/guide/section/5303.1
- Stockopedia - 200 day Moving Average: https://www.stockopedia.com/ratios/200-day-moving-average-200d-5463/

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