Restricted Stock Units or Restricted Stock as Income – What You Need to Know When Buying a Home! Lenders will first look at how the income has been distributed to you, followed by the likelihood that the income will continue. How the income is calculated to qualify for the loan depends on whether the income is received in the form of shares or cash and the length of time you have received compensation. If this type of income is part of your compensation, let’s talk, and I’ll answer your questions about using this income to buy a home.