How SpaceX Employees Can Use Their Stock to Qualify for a Mortgage—Without Selling a Single Share
For many employees at SpaceX and other high-growth tech companies, Restricted Stock Units (RSUs) are more than just a bonus—they’re a key part of your compensation and future wealth. But when it comes time to buy a home in Los Angeles, RSUs can be a double-edged sword: you may have significant value on paper, but that value isn’t always recognized by traditional lenders unless you sell shares—triggering taxes and giving up long-term gains. That’s where we come in.
The Stephanie Younger Group is proud to be the first real estate team in Los Angeles to partner with a mortgage company specializing in custom home purchase plans for SpaceX employees—leveraging your vested RSUs as qualifying income, without requiring you to sell stock.
Here’s what that means for you—and how to make it work.
What Are RSUs, and Why Are They Tricky for Mortgage Approval?
RSUs are shares of company stock that vest over time, typically as part of your compensation package. For high-performing employees at SpaceX, these can accumulate into seven-figure portfolios.
The challenge:
Most traditional lenders won’t count RSUs as qualifying income unless you’ve sold them consistently for at least two years, or unless you liquidate some as part of your down payment. That means:
- You may not qualify for the loan amount you want

- You might be forced to sell stock early, triggering capital gains

- You lose future upside from those shares


Our Custom RSU Mortgage Program
We’ve partnered with a forward-thinking mortgage company that understands the value of your RSUs—and knows how to structure loans that reflect your full financial picture, not just your W-2 income.
Here’s what makes the program different:
- Uses vested RSUs as income (based on value and vesting schedule)


- No sale of stock required to qualify or close


- Designed specifically for tech employees at private companies like SpaceX, where liquidity events are uncertain


- Custom pre-approval strategies so you can shop with confidence in LA’s competitive market


Why This Matters for SpaceX Employees
Home prices in Playa Vista, Westchester, El Segundo, and surrounding neighborhoods continue to climb—and your RSUs may represent the key to buying the home you want now, not years from now.
By using your RSUs as leverage:
- You preserve equity


- You avoid triggering taxes


- You can qualify for homes that match your lifestyle and earning potential


The Stephanie Younger Group Advantage
As the first real estate team in Los Angeles to offer this specialized RSU mortgage program to SpaceX employees, we’re combining local market expertise with innovative lending strategy. Whether you’re buying your first home, upgrading to a family-friendly property near the South Bay, or relocating closer to HQ, we know how to position your offer to win—and how to make your equity work for you.
Let’s Build a Homeownership Plan Around Your Stock
You’ve worked hard for your RSUs. Don’t let traditional lending rules keep you from putting them to use. If you’re a SpaceX employee—or anyone with equity-based compensation—reach out to the Stephanie Younger Group today.
We’ll create a custom plan that aligns with your income, equity, and long-term goals—so you can buy smart, buy early, and buy with confidence.
Contact us to get started with a no-obligation consultation. Your stock is powerful—let’s turn it into a home.
Stephanie Younger Group is not a mortgage lender or financial advisor. We’ve partnered with trusted lending professionals who can advise on specific loan products and qualification criteria. Please consult with a licensed mortgage professional for all financing-related questions.