HOUSTON · ENGLISH + 한국어
Your loan, explained.Your rate, compared.Your call, answered.
Buying or refinancing in Texas? We’ll compare rates, monthly payments, and closing costs so you can decide what works for you.
Liam Yang
Loan Officer · Bilingual English/Korean · NMLS #1709271
I’ll help you understand the numbers and work through your next step.
NEXA Mortgage LLC · NMLS #1660690 · Houston Mortgage Broker
WHAT BORROWERS SAY
Closed deals. Real reviews.
A first-time buyer on comparing options and finding the right fit.
“I never felt pressured or rushed, and I always felt comfortable asking questions because I trusted he had my best interest in mind.”
Read the full review
As a first-time homebuyer, I started with another loan officer and spent time calling around and comparing quotes before I switched to Liam — and I saw pretty quickly how different it was. I never felt pressured or rushed, and I always felt comfortable asking questions because I trusted he had my best interest in mind. He walked me through every estimate and every number in a way that actually made sense, and even in a difficult rate environment he was upfront about every option and tradeoff.
WORKING WITH ME
Less overhead.
More attention to your loan.
We keep processing efficient so less overhead gets passed to you. That usually shows up in the rate, and it leaves us more time to work through your questions.
Pricing
Already have a Loan Estimate? We can compare the rate, lender fees, and cash to close with options available through us.
Service
We explain your options, review the details, and keep you updated as your loan moves forward. Ask in English or Korean.
LOAN OPTIONS
Every major loan type, one brokerage.
Start with your situation. We’ll help you compare the programs that may fit.
Texas grants and forgivable second-mortgage programs that cut your cash to close. Stackable with FHA and conventional.
Lower down payments, gift funds, and assistance programs designed around buying without years of savings — the right stack can be the difference between buying this year and buying in three.
Zero-down loans for veterans, active duty, and qualifying reservists. VA has its own playbook — funding fee tiers, COE, MPRs, occupancy rules — and getting it right takes a lender who actually knows it. We do.
FAQ
Common questions.
- Are you licensed in Texas?
- Yes. Closewiser is part of NEXA Mortgage LLC, a Texas-licensed mortgage brokerage. Corporate NMLS #1660690. Loan Officer Liam Yang — NMLS #1709271.
- Do you speak Korean?
- Yes — Korean is a fluent first-language option for consultations, documents, and ongoing communication.
- What types of loans do you originate?
- FHA, VA, Conventional, Jumbo, DSCR, ITIN, Bank Statement, and Down Payment Assistance (DPA) — all eight major shelves under one roof.
- Where do you lend?
- All of Texas — every county, every metro, every small town. Our home office is in Houston.
- How do I get started?
- Send an inquiry with your goal and contact details, or call us. We’ll review what you share and explain the next step.
- How long does a typical close take?
- Our average is 15.25 days from file submission to clear-to-close — well below the 42-day Texas industry average. Documents that come back quickly close fastest.
- Can I get a mortgage if I'm self-employed?
- Yes. Bank Statement and DSCR loans are built specifically for self-employed and investor borrowers — no W-2 required.
- What's the minimum credit score?
- Requirements vary by program and lender. Conventional credit requirements also depend on the underwriting method. We review your score alongside income, assets, and down payment to identify available options.
Ready when you are
A clearer next step starts here.
I’ll read your message and get back to you soon. You can ask a question or share what you’re considering, at whatever pace works for you.