Can I use an offer letter for my new job to get pre-approved? (will have paystubs before closing)My wife is employed full-time and has been at her employer for over 2 years. We both have 700+ credit scores; we have 20% down and cash beyond that to make at least a full year of mortgage payments; we can document at least 2 years of paying rent about twice as high as the mortgage payment will be. My wife makes about 45,000 in salary and 5,000 in income from a side business. I will be making 70,000. We would like to borrow about 160,000. The catch is that I had a period of unemployment before getting this job, which is in a different field than I was in before. What I would like to know is whether a lender is: 1) likely to pre-approve us at all, given my new job and previous unemployment and 2) likely to accept an offer letter as proof of income for pre-approval purposes, with the understanding that I will be able to show a month's worth of pay stubs in a few weeks.July 16 2012 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.