Mortgages for people who are “in between jobs” In-between jobs and want to move? Now, you can. Via a special program known as the Offer Letter mortgage, U.S. Lenders are now making loans based on the “future income” of your next job, and will even approve a loan based on a pay raise you have coming at work. This means that relocating employees can move their households with only a promise of employment; and recent university graduates can use their future job as a basis for a loan. If you’ve just graduated law school, or business school, or medical school, and haven’t earned any income this calendar year, you, too, can use the Offer Letter mortgage to get approved for a loan.
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A job offer is now acceptable proof of income For recent university graduates and employees relocating to a new town, the Offer Letter mortgage helps to simplify homeownership. The program is based on an ordinary fixed-rate or adjustable-rate mortgage (ARM), and mortgage rates are the same as for any other conventional mortgage type. There are no special clauses with the Offer Letter mortgage, and no hidden fees. In fact, there’s exactly nothing that makes the Offer Letter loan unique — except that lenders are willing to consider your alternate calculation of income. This wasn’t possible as recently as several years back. When the economy was faltering, mortgage lenders were wary of the job offer letters which U.S. Employers were making.
Lenders knew that job offers are sometimes reversed, rescinded, and otherwise subject-to-change — even if they’re written on letterhead and signed by all parties. Furthermore, as banks had learned the hard way, legitimate-looking job offers can be forged without much effort.
To protect against fraud and revocation, then, banked created rules which burdened an employee with additional form of proof-of-work — typically, 30 days worth of pay stubs. The rule rendered job offers worthless. No 30 days on the job, no loan approval. Today, banks have loosened up. Two pay stubs are no longer required to get approved for a loan — a signed offer letter works just fine. Official “offer letter mortgage” guidelines Lenders have learned a lot since last decade’s credit market downturn.
Notably, they’ve improved their ability to separate acceptable risks from unacceptable ones. Common sense is returning to mortgage lending, and it’s helping today’s U.S. One such example is the return of “offer letter income” as allowable income. For home buyers relocating for a job; returning to work after a layoff; or expecting a pending pay raise, with a written letter from an employer, lenders will make the loan using the offer letter’s stated income for qualification.
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