Luba Shukers

Making global relocation easy for her clients.

Corporate Relo

Are you looking for a mortgage? Luba can help.

No SSN Needed

Get financed without a SSN.


Mortgages for new homes and refinancing.


Ex-Pat Relocation Mortgage Programs

  • No U.S. Social Security Card Needed
  • No U.S. Credit History Required
  • No FICO Score Needed
  • Insufficient Credit History acceptable


Expat Texas is a pioneer in providing mortgage home loans to non-U.S. citizens who are coming here to work and need financing for their primary home. Many homebuyers relocating from global work assignments are new to the U.S. credit system and lack the necessary credit history, social security card and fico scores needed to qualify for a traditional mortgage.


Although we provide a full range of traditional purchase and refinance mortgage products for conventional, jumbo, secondary (80/10/10 & 80/15/5), FHA, Homepath, VA, & USDA financing for borrowers who qualify under traditional underwriting methods, we specialize in loans for those borrowers who are just arriving or who recently arrived and are in need of these unique relocation loan programs.


Corporate relocation direct billing as per relocation policies can be provided for closing costs so there is no out of pocket closing costs to buyer. Short term leasing in order to build credit history to prepare for a home purchase can be totally eliminated as buyers can qualify upon receipt of valid acceptable work visa, employment offer letter, sufficient down payment (minimum 20%), income and asset verification (foreign assets often acceptable). Many potential buyers who are simply new to the credit system who lack sufficient credit history and are frustrated with the challenges of traditional underwriting guidelines can benefit from these unique programs as well. Many U.S. citizens returning from global work assignments who have fallen inactive with the U.S.credit bureaus while working overseas can utilize the loans provided by Expat Texas as well. We welcome unique loan scenarios for review.


Condo financing and NON-WARRANTABLE condo financing also available.


We work with relocation companies & relocation realtors that specialize in meeting the challenges of relocating to Texas from international destinations and can help you get started with finding a home in the neighborhood that is right for you and the needs of your family. Contact us now for a personal and confidential consultation and pre-approval.