Financing Help: Charlotte NC

[Eliseo Rodriguez Cordoba]

We are not under contract yet. We both want to invest in NC, we are currently interested in Concord, Kannapolis, Belmont, and Gastonia areas as well as different parts of Charlotte. We both work in a hospital and makes it extremely hard to get a job offer in a 1-3 months. We’re trying to move quickly and job hiring in hospitals in our department typically takes between 3 and 6 months.

We are currently shopping around, we are in search of a conventional 30 year loan for a single family home (primary residence). The purchase price of the home will be $200k or less. We are looking to put $10k down (5%) and we will be paying closing costs out of pocket.

We have come to a roadblock ATM, we both are first time buyers who are located in California but want to invest in the NC area. We have gotten in contact with Better Mortgage and other lenders in the NC area and both have told us we need a Job Offer Letter in order to lock a loan. We have money for down payment, closing, rehab and emergency funds for the property. 

Have you guys invested in another state just the way we want to do without the need of a Job Offer Letter?

or is this very common? Would it be possible to lock a loan without the need to get a Job Offer Letter? 

Please ask away. BiggerPockets took my post down 3 times because I can't ask specific "Lender Questions". I'd love to hear your feed back.

Thank you BP!