Anyone closed a mortgage with 20% down + offer letter only (job starts in 60 days)?

[Aaron Eisenberg]

Hey y’all,

I’m buying a home around Hunterdon County, NJ, and starting a new full-time W-2 job in about 45 days. I’ve got excellent credit,  and a signed offer letter/contract for the new role.

I own two other properties and have been self-employed this past year, so while I’ve been through the mortgage process before (when I wasn't self-employed), I’ve never done it without paystubs. I’d like to close before the job starts and qualify based on the offer letter, credit, and assets — without needing income history or a first paycheck.

Has anyone here successfully closed under similar circumstances?

• What lender or broker did you use?

• What conditions were required? (e.g., non-contingent letter, reserves, etc.)

• Did you need to start the job before closing, or was the offer letter enough?

Looking to compare lenders/brokers and would love any specific recommendations, strategies, or red flags to watch out for.

Appreciate the help!

— Aaron