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Qualifying Income›RSU Agency Comparison
EQUITY INCOME

RSU Agency Comparison

Compare Fannie Mae and Freddie Mac using the distribution period and documented values applicable to each.

Fannie MaeLast agency guidance update: Oct 7, 2026Last verified: Nov 9, 2026Effective date: Oct 7, 2026
Freddie MacLast agency guidance update: Dec 4, 2024Last verified: Nov 9, 2026Effective date: Apr 1, 2025
Agency guidanceSee verification scopeView guideline history
Fannie MaeSelling Guide B3-3.3-07 ↗FN-RSU-2026-10
Material guidance update
Oct 7, 2026
Last verified
Nov 9, 2026
Effective date
Oct 7, 2026

The verified continuance change moved the one-time time-based award anchor from the note date to the application date. Other qualifying conditions still require review.

Freddie MacGuide 5303.1 and Bulletin 2024-16 ↗FHLMC-RSU-2025-04
Material guidance update
Dec 4, 2024
Last verified
Nov 9, 2026
Effective date
Apr 1, 2025

The published update replaced the 52-week average with a 200-day simple moving average and changed performance history treatment. The resulting formulas were cross-checked against the May 2026 Guide snapshot.

01 / SCENARIO

Inputs

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Use 12 months for time-based awards; normally 24 months for performance-based awards.
Updates as you edit.
02 / WORKSHEET

Results

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MortgageRisk is independent of the agencies cited. Results are for professional review and do not constitute an underwriting decision or loan approval.