Westlake Tech Executive — RSU-Heavy Compensation
The Scenario: A senior engineering director buying a $1.85M home in Westlake Hills. Base salary was $195,000, but total compensation exceeded $480,000 driven by quarterly vesting Restricted Stock Units (RSUs) from a publicly traded tech company.
The Retail Bank Hurdle: Big retail banks refused to count the RSUs because the executive had been at the current employer for 18 months rather than meeting a rigid 24-month tenure rule.
The Wholesale Solution: Placed the file with a wholesale jumbo lender whose program specifically accommodates public tech RSUs with an established vesting schedule and prior industry continuity. Approved with 10% down to $1.5M,.
Disclosure: Illustrative scenario based on composite borrower profile. Does not represent an individual client guarantee or commitment to lend.
View Additional Scenarios (Asset Depletion & Self-Employed Luxury)
Scenario 02: Founder Post-Exit — Asset-Heavy, Zero Current W-2
A startup founder completed an equity exit, generating $4.2M in post-tax liquidity held in cash and index funds. They were purchasing a $2.4M waterfront home on Lake Austin while taking a sabbatical. Traditional bank underwriters demanded W-2 paystubs that didn't exist.
The Solution: An Asset Depletion Jumbo program dividing the liquid brokerage balance by 360 months to establish $11,600/month in qualifying income—approved with zero W-2 paystubs required. → Read our Texas Asset Depletion Guide.
Scenario 03: Self-Employed Tarrytown Buyer — Tax Returns Don't Tell the Story
A commercial contractor buying a $1.6M Tarrytown home. The business grossed $1.2M annually, but tax returns showed $95,000 net income after Section 179 equipment write-offs. Retail bank approved the buyer for only $420,000.
The Solution: Bank Statement Jumbo evaluating 12 months of business bank deposits with a CPA expense attestation letter, approving a $1.35M loan at 15% down. → Read our Bank Statement Jumbo Guide.