Most lenders will only require a two-year work history, so if you had gaps prior to that period, you may not even need to inform your lender about it. 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. 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. Through Online Job Offers, prospective employees can view, decline, accept and complete pending job offers. 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. If you have an offer letter, give it to your loan officer. Our Employment Offer Letter template helps you easily create a letter for the next employee you hire.