Xai Yang works under NMLS 1767262. Hickory shoppers are pointed to him on the firm’s local guide, and he runs Catawba County files from a laptop rather than asking anyone to drive to Uptown for every signature. The closing itself happens with an attorney near the property. His number is (980) 228-0988. Mail goes to xai@firstadvantagemortgage.com.
Beyond Catawba County his published map is broad: Charlotte and Concord, Monroe and Kannapolis; Rock Hill, Fort Mill and Indian Land on or over the South Carolina line; and several Gaston County cities. He also originates investment-property financing, which is a separate documentation path from a home you will occupy. Suite 1933 at the 128 South Tryon uptown location supports those files.
Buying in Hickory without a weekly trip down I-77
Hickory sits far enough from the brokerage that forcing in-person meetings would slow the file for no good reason. Xai does not require them. You can finish the application and the supporting forms from home. Most follow-up arrives by email or phone. Signing at the end is local, with counsel who practices where the house sits, not in the Charlotte suite.
You still have one named officer. Xai prices the loan, explains conditions and stays reachable through recording. Processors collect documents and schedule third parties so you are not repeating your story to a new voice on every call.
For local context, read the Hickory guide and the Catawba County page, then send him the street so those pages turn into numbers on your file.
A rental is not just a house you will not sleep in
Investment-property financing and owner-occupied financing are different products. A conventional investor file looks at your income, your reserves and the property. Other structures lean more on the rent the property can reasonably support. Xai can set those paths next to each other and explain what changes in paperwork, down payment and rate. He will not pretend they are interchangeable just because the porch looks the same.
Primary-home work still fills much of his week. Primary-home purchases and refinances on his desk may take an FHA path, a VA path, a USDA lookup, jumbo pricing or a conventional structure, depending on occupancy and the property. Households with VA eligibility should read the VA overview and ask him to fold that option into path in the opening round.
USDA appears on some addresses toward the rural edge of his coverage. He checks the street you intend to buy rather than treating a town label as proof.
A long coverage list still comes down to one parcel
Outside Hickory, his published list includes Monroe and Kannapolis; Rock Hill, Fort Mill and Indian Land; Charlotte and Concord; and several Gaston County cities. That list crosses county lines and the South Carolina border, so licensing, taxes and closing custom have to be confirmed for the parcel.
If you are comparing a Hickory purchase with something in Kannapolis or Gastonia, say that plainly. Price, commute and program eligibility will not move in lockstep, and he would rather show you the tension early. Companion pages include Kannapolis, Monroe and Fort Mill.
The first details that let him help quickly
Call (980) 228-0988 or email xai@firstadvantagemortgage.com. The write-in field on this profile goes to him. Tell him whether the property is in Catawba County, somewhere around Charlotte or across the South Carolina line, and whether you will live in the house or rent it out. Occupancy changes the rest of the file.
Search 1767262 on NMLS Consumer Access for his personal listing, and search 2468711 for the brokerage. Check his listing before you apply on a property outside North Carolina or South Carolina.
If you need a different officer, open the full staff list. If he is already on another call, use the office page.
Occupancy is the question he will not let slide
Xai draws a hard line between a house you will live in, a house you plan to rent from day one and a house you secretly intend to occupy for a few months before turning it into a rental. Those three stories do not produce the same loan, the same documentation or the same risk conversation. If your plan is the third one, say so. He would rather rebuild the structure now than have occupancy questions appear after a contract is signed.
True investment files need a clearer picture of reserves and of the rent the property can support. He will tell you which wholesale path leans more on your personal income and which path leans more on the property. He will not invent a guideline number to make either path sound easier than it is. The comparison is about fit and paperwork, not about a promised rate.
Hickory buyers who work locally should also mention commute and employer early if a future transfer is possible. A file built as a primary residence in Catawba County is a poor match for someone who already knows they will be asked to move in six months. Xai would rather hear that plan in the first call than discover it when you ask about renting the house before the first payment is even due.
Investors who already own one rental and are adding another should mention the first property up front. The new file has to live alongside the old one in reserves and in how a wholesale lender reads your overall picture, and Xai would rather see that full snapshot immediately.