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. 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. First time home buyers can have a loan talk with our community experts and discuss their home loan related issues in mortgage loan forum. The offer letter must be non-contingent. Re: Question Regarding Job Offer Letter Mortgage. My experience says yes you Will need the 30 day pay stub.