Find All the Information You Need In Our New Jersey Title Services Library.

In an improving economy, students find it easier to get hired post-graduation, and workers find it easier to find work in a new town. With mortgage guidelines easing, it's easier for these students and relocating workers to become homeowners. Lenders have changed the way they evaluate the "future, promised income" of an offer letter.

If you're a recent college, law school, business school, or medical school graduate, or a relocating W-2 employee; and you've accepted a new employer's job offer, you can use your expected job income on a mortgage application -- even if you've earned no prior income in the current year.

To protect against underwriting error and fraud, therefore, mortgage lenders chose to underwrite recent graduates and relocating households with the same income standards as for everyone else. It's a process that requires at least 30 days worth of pay stubs, though, and that meant that job offers were worthless as proof of income. You needed two full paystubs.

Not anymore.

Lenders now accept signed offer letters as proof of income. It's good policy for workers, and for housing, too.

Get Title Quote Here

Contact Us

First Name:*

Last Name:*



Tell us more:


Mega Title, LLC

721 Route 34, Suite 3
Matawan, NJ 07747
Phone: 732-242-9835
Toll Free: 877-550-MEGA
Get Directions | See Detail

Connect with Us:


  • Samah and her team at Mega Title were efficient and professional in
    handling our refinance closing. I had used them in a prior refinance
    and was so impressed with the attention to detail that I came back
    this time again. They are accomodating to your schedule, meet the
    deadlines so they don't waste your time and most of all treat you as
    if you are their most important customer at all times. I couldn't ask
    for better service - they took care of everything. Just had to show
    up and sign.
  • As a real estate attorney, I have dealt with numerous title companies.
  • I recently refinanced my home. Mega Title really made my life much easier.
  • I really appreciated the excellent service and caring attitude during my refinance.
  • I can't express how impressed I am with your customer service!

View All