Patrick Kevin Fagan - The Mortgage Patriot
From pre-approval through closing, Patrick combines mortgage financing and real estate representation to help you structure the right loan, find the right home, negotiate strategically, and understand your complete path forward.
100
Homes Sold
23+
Years in Loan Origination
5-Star Service
18
Years in Real Estate
2
Licenses, One Agent
Buying Your First Home?
Start With the Roadmap.
Patrick's free 169-page guide walks you from pre-approval to keys. It covers financing, house hunting, negotiation, inspections, closing and the costly mistakes first-time buyers need to understand.
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About Patrick
Why Work With Patrick?
The powerful advantage I offer is being dual-licensed as both a Senior Mortgage Loan Officer and REALTOR, allowing me to guide you through both the financing and homebuying side of the process from start to finish, including finding the best loan for a first-time homebuyer and structuring your offer to minimize your cash-to-close.
Specializing in first-time homebuyers, I combine advanced negotiation strategies with creative Down Payment Assistance programs and seller concessions to help clients secure stronger deals and lower upfront costs in today's competitive Texas market.
As a licensed Mortgage Loan Officer, I provide statewide Texas coverage, serving San Antonio, Austin, Houston, and Dallas-Fort Worth. My local real estate expertise is concentrated in North San Antonio and the TX Hill Country, specifically Bulverde and Spring Branch.
TWO SERVICES. ONE EXPERT.
HOME LOAN
FINANCING
Your Mortgage Loan Officer From Pre-Approval Through Closing.
Understand your buying power, compare loan options including FHA vs Conventional vs VA loans, structure the right financing, explore Down Payment Assistance, and build a strategy around your payment and cash-to-close.
REAL ESTATE
REPRESENTATION
Your REALTOR From Home Search Through Negotiation and Closing.
Find the right home, structure a strong offer, negotiate aggressively on your behalf, evaluate seller concessions, and navigate the transaction from contract through closing.
NEW CONSTRUCTION
New Construction Across San Antonio + the Hill Country
Explore new communities, quick move-in homes, builder incentives, and financing options with representation on your side throughout the process.
Search by Area
Explore new construction by community and location.
Browse CommunitiesSearch by Price
Find new homes that fit your target price range.
Find Your PriceBuilder Incentives
See available builder offers and understand how they compare.
View IncentivesQuick Move-Ins
Explore homes that may be available sooner.
See Move-In ReadyCompare Builders
Compare communities, builders, incentives, and financing options.
Compare OptionsMARKET DATA
Greater San Antonio Market Snapshot
Current market conditions across Patrick's primary service areas. Data reflects the most recent available reporting period.
Sources: Texas REALTORS, PropertyFocus, Orchard, veteranrealestatesa.com | Data reflects mid-2026 reporting period | Market conditions change frequently. Verify current data with a professional.
SERVICE AREAS
Where Does Patrick Serve?
Patrick Kevin Fagan provides mortgage financing and real estate representation across Greater San Antonio and the Texas Hill Country.
Discuss Your AreaThe Dual License Advantage
Two licenses. One agent.
Better offers.
Most agents only see half the picture. As both a licensed REALTOR and a Loan Officer, I understand financing inside and out. That means I structure purchase offers that are stronger, cleaner, and more likely to get accepted. I help minimize your cash-to-close and protect your interests from first showing through the final signatures.
Both Sides
Real estate and financing expertise in every transaction.
Stronger Offers
Structured with financing knowledge that wins in competitive markets.
Less Out of Pocket
Down payment assistance and rate buydowns identified and applied.
One Point of Contact
No back-and-forth between agent and lender. I handle both.
What I Do
Services built around you
From first-time buyers to seasoned sellers, every client gets the same dedication, education, and dual-licensed advantage.
First-Time Buyers
Step-by-step guidance from pre-approval to closing, so you never feel lost in the process.
Growing Families
Find the space your family needs with financing structured to protect your budget.
Military & Veterans
VA loan expertise and PCS relocation support for San Antonio military community.
New Construction
Navigate builder contracts, upgrades, and financing for your brand-new home.
Investors
Financing solutions and market analysis to build your real estate portfolio.
Sellers
Maximize your home market price with strategic pricing and negotiation.
The Process
From first question to front door
I break the home buying process into clear, manageable steps so you always know what is next.
Get Pre-Approved
We review your finances, find the right loan program, and get you pre-approved so you know exactly what you can afford.
Find Your Match
I tour homes with you, explain neighborhoods, and help you spot the right property for your family and budget.
Negotiate & Close
I write winning offers, manage inspections and appraisals, and guide you through every detail to the closing table.
Keys in Hand
You walk into your new home with confidence, knowing every step was handled with care and expertise.
Client Stories
On your side, every step of the way
"I came across Mr. Fagan the Mortgage Patriot on YouTube after experiencing a few hurdles while trying to buy a home and it was the best decision I have made in a while. He is very responsive, professional and will clearly explain every step of your buying process and best of all he was able to keep some money in my pocket. I highly recommend him."
Verified Home Buyer
"Patrick walked us through every single step. As first-time buyers we had no idea what to expect, but he made it simple and we always felt like he had our best interests at heart. We could not have asked for a better experience."
First-Time Homebuyer Couple
Education First
From the blog
Home Buying Guide
The Complete First-Time Home Buyer's Roadmap
Everything you need to know from pre-approval to closing day, explained step by step.
Buyer Tips
10 Mistakes First-Time Buyers Make (and How to Avoid Them)
The most common pitfalls that cost first-time buyers time and money.
Military & Veterans
VA Home Buying Guide for Military Families
How VA loans work, who qualifies, and how to use your benefit to buy a home in San Antonio.
VIDEO LIBRARY
Watch. Learn. Buy Smarter.
Real talk about real estate and financing from Patrick's YouTube channel. Clear answers, no fluff.
The Ugly House Hack: Renovation Loans for Instant Equity
Learn how renovation loans can help you build equity from day one.
Watch on YouTube
How to Get a 3.99% Mortgage Rate Right Now (Legally) | Buydowns 2026
Understand how buydowns work and how they can lower your rate.
Watch on YouTube
Texas First Time Home Buyers | Best Down Payment Assistance - 2026
Discover down payment assistance programs available to Texas buyers.
Watch on YouTubeCOMMON QUESTIONS
Before You Call
Get quick answers to some of the questions buyers and sellers ask Patrick most.
Is now a good time to buy a home?
How much house can I afford?
How much money do I need at closing?
Can I buy with little money down?
What credit score do I need?
Should I use a builder's lender?
Should I buy before I sell?
How much is my home worth?
Which San Antonio area fits what I'm looking for?
What Clients Say
Real reviews from real clients on Google.
“Kevin and his team were our third realtor in our journey to find a home. They streamlined the ENTIRE process. He knows the market and how to get u into the home of your dreams. From showing homes, negotiating with sellers closing quickly. And most importantly saving my family a huge sum on closing costs. We closed on a property of our dreams for 7,000. Down with seller concession and the best realtor on the planet. The Fagan team helped my sister get there first home. Honest, trustworthy, relentless tenacity to give us the best deal humanly possible.”
Isaiah Zavala
Google“Kevin helped me buy my first home and he was phenomenal! Amazing service and great communication throughout the entire process. I thought buying a home was going to be extremely stressful and difficult but Kevin made it so easy. I would highly recommend him to anyone looking to buy a home in the area!”
Dylan Lieck
Google“I've gotten to know Patrick Fagan through our professional group, and he consistently stands out as one of the best mortgage loan officers in San Antonio, TX. It's clear he's someone you can trust!”
James Brown
GoogleLet's Connect
Ready to start your home buying journey?
Whether you are buying your first home, upgrading, relocating to San Antonio, or investing, I am here to guide you through every step. No pressure, no jargon, just honest answers.
210-317-6514
Call or text anytime
pfagan@nexalending.com
Email me directly
Book a consultation
Via Calendly, pick a time that works
Greater San Antonio and Texas Hill Country
Serving Bexar County and beyond
Send me a message
I will get back to you within 24 hours.
Licensed under AXEN Realty LLC · TX License #454749
Your Next Move Starts With Clarity.
Whether you're buying, selling, building, or financing, Patrick Kevin Fagan can help you understand your options and build the right plan forward.