There are workarounds, and how many you have depends on how much your credit, assets, and down payment can carry. First, to be clear on the question: this is about relocating without an employment offer letter in the new city, not about a purchase offer. A buyer bringing a large down payment, for instance from selling a current home, has far more options than someone relying on a low-down-payment loan. One path is a DSCR loan (debt service coverage ratio), an investment-property product that qualifies you on the property's projected rental income instead of your personal employment. The caveat is important: DSCR is genuinely an investment-property tool. If you plan to live in the home, it's the wrong instrument, and representing an owner-occupied purchase as a rental to use it would be occupancy fraud. What generally won't work is a low-down-payment owner-occupied loan, like FHA, with no income source at all, because those programs lean on documented income to qualify. The cleanest move is to talk through your assets and timeline before you write anything, so we can find the route that fits your situation honestly. The free Roadmap conversation (about 20 minutes) is a good place to map that out.