Some buyers can use an offer letter mortgage to qualify for a home loan before starting their new job. Here's how offer letter loans work.An employment letter is a crucial document you need to secure a home loan. Read about how to write a winning employment letter for mortgage. The lender asked for an offer letter, and said the job Offer that I accepted on is too contingent to use. HR says they don't know, but are going to ask payroll. First time home buyers can have a loan talk with our community experts and discuss their home loan related issues in mortgage loan forum. Often, your employer will send the income verification letter directly to your potential landlord, as requested on your apartment application. At a minimum, the letter should show a clear, noncontingent job offer. It needs to outline your salary and start date for the new position.