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.A good offer letter for a home is friendly and polite and doesn't make unreasonable demands of the seller. 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. 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. Offer letter loans make it possible for borrowers to leverage the promise of employment or stated future income when applying for a mortgage. Follow these negotiating strategies and tips to ensure you're getting a competitive salary and benefits to match your needs.