ABOUT CLOSEWISER
Liam Yang
양리암
Loan Officer · English/Korean · NMLS #1709271
Houston, TX · Serving all of Texas
Closewiser is a brand of NEXA Mortgage LLC, company NMLS #1660690. Our mortgage services are offered through that brokerage.
View our Google profile and reviewsMortgage and real estate experience
Liam Yang’s background includes mortgage origination, banking, and real estate in Houston.
Verify licensing on NMLSHow we work on your loan
We review income, assets, and credit before the file goes to an underwriter. We organize document requests so you know what to send and why it is needed.
We explain what is happening in English or Korean as your loan moves forward. If something in the file needs attention, we explain the issue and what comes next.
Send your Loan Estimate for review →Mortgage questions we explain
FHA vs Conventional Loans in Texas (2026): Which Should You Choose?
Compare FHA and Conventional loans for Texas buyers in 2026 — credit score, down payment, mortgage insurance, and which fits your situation.
Bank Statement Loans for Self-Employed Borrowers in Texas
How Bank Statement Loans qualify self-employed Texas borrowers without W-2s — credit, deposit analysis, eligible business types, and what to expect.
When Should You Refinance Your Mortgage?
When refinancing actually makes sense — the rate threshold, break-even math, and the Texas-specific cash-out rules every borrower should know.