How To Get A VA Loan With A Job Offer Letter

🏠💼 Thinking about buying a home before starting your new job? Sounds impossible, right? Not with a VA Loan! Veterans and active-duty members can qualify for a mortgage using a job offer letter — even if they haven’t clocked a single day at their new position yet. 💪🇺🇸

Here’s how it works 👇
It’s called future income, but there’s a catch — it must be guaranteed. That means a signed, non-contingent offer letter — no “if the contract gets approved” or “once probation ends” language. The VA allows it for stable, predictable income situations — think teachers whose school year starts in the fall, or service members transitioning into civilian jobs after separation.

But ⚠️ here’s the twist: not all lenders follow VA rules exactly. Some add extra requirements (called lender overlays), like having to be on the job for 30 days before closing. The good news? With the right lender, you can close up to 60 days before the job starts — as long as you’ve got enough reserves to make those first few payments.

💡 Bottom line: Yes, you can get a VA Loan with a job offer letter — if your lender truly knows the VA guidelines and applies them correctly. I do!

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