Why San Diego’s Market Rewards Prepared Buyers
Washington’s thriving tech industry is doing more than just boosting the economy — it’s helping professionals qualify for larger mortgages. With competitive salaries, equity compensation, and a high demand for talent, tech workers are positioned to borrow more when buying a home. At LBC Capital, we specialize in helping tech professionals leverage their income and employment advantages to qualify for the biggest mortgage possible. Whether you’re a software engineer in Seattle or a data analyst in Redmond, your tech role could be your key to homeownership.
Washington’s Tech Industry: A Powerful Financial Foundation
Washington has long been a leader in innovation and technology. Home to companies like Amazon, Microsoft, and T-Mobile, the state’s tech industry continues to grow year over year. From 2019 to 2022, the tech sector added nearly 89,000 jobs — a 33% increase — and now employs over 360,000 professionals across the state.
What makes Washington especially unique is the diversity of its tech ecosystem. Beyond software and cloud computing, the state also leads in areas like aerospace technology, biotech, and artificial intelligence. This economic variety offers more job security and income consistency — two major factors that mortgage lenders prioritize.
At LBC Capital, we understand that a strong income from a high-growth industry gives you more borrowing power. That’s why we help tech workers showcase their complete financial profiles, including salaries, stock bonuses, and long-term incentives.
How a Tech Job Increases Your Mortgage Qualification
Higher Income = Higher Loan Amount
Mortgage lenders look at your debt-to-income ratio (DTI) to determine how much you can afford to borrow. This ratio compares your monthly debt obligations — including your future mortgage — to your gross monthly income. The higher your income, the more room you have to qualify for a larger loan.
Tech jobs in Washington often pay well above the national average. For example, a software engineer in Seattle typically earns $145,000 or more per year. When bonuses or stock grants are included, many professionals have compensation packages worth $200,000 or more. With these income levels, tech workers often qualify for larger home loans than professionals in other industries.
LBC Capital works directly with lenders to ensure your full income — not just your base salary — is included in the qualification process. That means you get credit for the full value of your compensation.
Income Stability Gives Lenders Confidence
Another benefit of working in tech is the stability and career trajectory the industry offers. While no job is completely risk-free, tech professionals typically enjoy steady employment, promotions, and salary growth over time. Lenders look favorably on this kind of predictability.
At LBC Capital, we highlight your career path, tenure, and job market demand when preparing your mortgage file. We know how to present this context in a way that lenders understand — increasing your chances of approval and improving your terms.
Bonus and Stock Income Can Boost Your Approval
Many tech companies offer more than just a salary. Restricted stock units (RSUs), performance bonuses, and annual equity grants are common components of tech compensation. While not all lenders accept this income automatically, LBC Capital works to ensure that your non-salary income is counted toward your qualification.
If you’ve received bonuses or vested stock over the past two years, we can document that income history for lender approval. Even future vesting schedules can be used strategically in some loan programs. Our team has deep experience working with tech employees and understands how to properly structure equity and variable income for underwriting success.
Market Trends in Washington’s Tech Industry
Steady Growth Across the Region
Washington’s tech industry isn’t limited to Seattle. Cities like Bellevue, Redmond, Kirkland, and Spokane are seeing rapid tech growth as well. These regions benefit from expansions by companies like Google, Facebook, and Salesforce, which are opening new campuses and hiring aggressively.
Washington’s Department of Employment Security forecasts continued growth in high-skill roles like software development, systems architecture, and IT security — further solidifying the industry’s long-term strength. This continued demand supports income stability and job security, which are crucial for mortgage lending.
Salaries Are Outpacing Housing Prices in Key Areas
While housing prices in Washington remain high, income growth in the tech sector is helping to close the affordability gap. In many cases, salaries for experienced tech professionals are growing faster than median home prices in cities like Seattle and Bellevue. That means more borrowing power and less reliance on savings or second incomes to qualify for a mortgage.
LBC Capital monitors regional salary trends and aligns your mortgage strategy with real-time market data. If you’re considering a job offer or promotion, we can estimate how that new income will impact your homebuying budget.
How LBC Capital Helps Tech Workers Get More Mortgage Value
Customized Loan Options for Tech Professionals
Tech income can be complex. That’s why LBC Capital offers customized loan solutions that work with your financial profile. Whether you receive RSUs, bonuses, or work on a contract, we match you with lenders who understand your situation.
Some loan programs allow the use of stock income, even if it hasn’t fully vested. Others offer jumbo loans with competitive rates for high earners. We help you compare all options and choose the one that gives you the most value.
Expert Guidance Every Step of the Way
We’re more than mortgage brokers — we’re your partners in the home buying process. Our team walks you through documentation, lender requirements, and how to position your tech compensation for approval. We also help you prepare for future changes, like job moves or raises, to keep your mortgage strategy aligned with your career.
Fast, Transparent Pre-Approval Process
LBC Capital offers fast, accurate pre-approvals tailored to tech professionals. Our process is designed to minimize stress and maximize your buying power. You’ll know exactly what you qualify for — and how to improve it — before you start house hunting.
Tech Income Is Your Mortgage Advantage
Washington’s booming tech job market creates more than great careers — it builds the foundation for stronger mortgage approval. High income, stable employment, and equity-based compensation all work in your favor when buying a home. But without the right mortgage partner, much of that value can be lost.
At LBC Capital, we specialize in helping tech professionals make the most of their financial strength. From structuring RSU income to securing jumbo loans, we ensure your full compensation is recognized. If you’re ready to take the next step toward homeownership, we’re ready to help you qualify for the biggest mortgage you deserve.