Buying a Home in LA With RSUs: What SpaceX & Tech Employees Should Know

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For many SpaceX and high-growth tech employees, RSUs are a major source of wealth—but when you’re ready to buy a home in Los Angeles, that wealth doesn’t always translate cleanly into mortgage approval. Traditional lenders often want to see a long history of stock sales or require you to liquidate shares for the down payment, which can trigger taxes and cut into long-term upside.

That’s why the Stephanie Younger Group partnered with a mortgage company offering custom home purchase plans for SpaceX employees—designed to leverage vested RSUs as qualifying income without requiring you to sell stock.

Watch the video:

Why RSUs can be “real money” but still not count for a mortgage

RSUs vest over time as part of your compensation. In many cases, they can build into a sizable portfolio—sometimes seven figures. The problem is that many lenders treat RSUs cautiously unless you’ve sold shares consistently for a long time, or you’re willing to sell shares now.

That can lead to frustrating outcomes:

You qualify for less than you should based on total comp
You feel pressured to sell earlier than you want
You risk an unexpected tax bill at the worst time (mid-escrow)

The goal: qualify now without divesting now

If your long-term plan is to hold equity, you need a purchase strategy that reflects your full financial picture.

Our Custom RSU Mortgage Program (how it’s different)

The program you described is designed to:

Use vested RSUs as qualifying income (based on value + vesting schedule)
Not required to sell stock to qualify or close
Fit equity-heavy earners, including private-company employees where liquidity timing can be uncertain
Provide a custom pre-approval strategy so you can compete in LA’s fast market

Why this matters in the SpaceX corridor

If you’re targeting neighborhoods that often come up for SpaceX-area buyers—like Playa Vista, Westchester, El Segundo, and nearby pockets—price points can move quickly, and “waiting to sell later” can mean “buying later at a higher number.”

Using RSUs as leverage can help you:

Preserve equity (keep shares working for you)
Avoid triggering taxes unnecessarily
Match your buying power more closely to your earning reality

Who this is best for

This approach is often a fit if you:

Have meaningful vested RSUs
Prefer to avoid selling shares right now
Want to buy sooner (not “after two years of stock sales history”)
Need a lender who understands equity comp and can document it correctly

Next step: build a homeownership plan around your stock

If you’re a SpaceX employee (or anyone paid heavily in RSUs) and want to explore an RSU-friendly pre-approval, we’ll connect you with the right lending partner and map a buying strategy around your timeline.

Buyers: https://stephanieyounger.com/buyers/
Market Stats: https://stephanieyounger.com/market-statistics/
Contact: https://stephanieyounger.com/contact/

Important disclosure

The 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.