The offer letter must be non-contingent. First time home buyers can have a loan talk with our community experts and discuss their home loan related issues in mortgage loan forum.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. College graduates can qualify for home loan with job offer letter and their college transcripts can be in lieu of 2 year employment history. If you're wondering how long you have to be at a job to get a mortgage, with most types of mortgages, you need to show a twoyear work history. 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. Employment verification is relatively straightforward. The process begins as you fill out your employment information on your loan application.