HOUSTON + TEXAS HOME LOANS
A home loan you can make sense of.
We’ll work through your options, explain what they cost, and help you understand what comes next.
Liam YangNMLS #1709271Questions, numbers, and the next step. We’ll work through them together.
Useful help, wherever you are.
Borrowers
Your home. Your next step.
Know your options. Understand the costs.
Realtors
Useful tools for your clients.
Make the next client conversation easier.
START WITH ONE QUESTION
A clearer picture of your numbers.
What will this home cost?
Estimate your monthly payment with taxes, insurance, and mortgage insurance.
Check the paymentHow does my quote compare?
Send a Loan Estimate for a review of the rate, lender fees, and cash to close.
Compare a quoteWhich loan could fit?
Explore programs for your income, down payment, and plans for the property.
Explore loan optionsWHAT 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?
Closewiser is a brand of NEXA Mortgage LLC, a Texas-licensed mortgage brokerage, company NMLS #1660690. Our mortgage services are offered through that brokerage.
Do you speak Korean?
Yes. We offer consultations, document explanations, and updates in Korean through closing. Lender disclosures and closing documents may be in English. We help you understand what is being requested and what the documents mean.
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?
We are based in Houston and serve borrowers across Texas, including Katy, Sugar Land, Dallas, Fort Worth, Austin, and San Antonio. You can work with us by phone and through our secure document portal.
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?
Your contract deadline, documents, appraisal, title work, and underwriting all affect timing. After reviewing your file, we can discuss a realistic timeline. Clear-to-close is the lender's approval to proceed to closing; it is a different milestone from signing and funding.
Can I get a mortgage if I'm self-employed?
Self-employed borrowers may qualify for a conventional loan using documented income. Bank Statement loans may offer another option for eligible borrowers. DSCR loans use a property's rental income and are for investment properties, not a home you will live in. Income, credit, assets, and down payment requirements depend on the program.Bank Statement
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.