For Boston tech and international families: two mortgage paths people miss

# Two real paths, especially near Harvard and MIT Two questions I get constantly from Cambridge-area families, and two honest answers. 1. **Stock-income (RSU) buyers.** Tech families near Harvard and MIT often have income the old rules did not count well. There are loan paths built for RSU and equity income now. 股票/RSU 收入,也能算。 2. **Foreign-national and visa buyers.** International families — including parents buying near a campus for a student — have real loan options that do not require a long US credit history. 外国身份/签证买家,也有路。 Rate backdrop, plainly: the Fed has been holding, with the first dissent showing up recently. Nobody should try to time it perfectly — carry what you can carry. 别赌时机,扛得住最重要。 Educational, bilingual, and no rate quotes. Ask in whichever language is easier. 🏠