Patrick Kevin Fagan
Greater San Antonio
& Texas Hill Country
Mortgage Loan Originator
& REALTOR
The Mortgage Patriot
Mortgage Financing + Real Estate Representation Under One Roof
Patrick Kevin Fagan, known as The Mortgage Patriot, works in mortgage lending and residential real estate, serving homebuyers, homeowners, sellers and investors throughout Greater San Antonio and the Texas Hill Country. His combined mortgage and real estate experience helps clients understand and coordinate both sides of the transaction.
23+
Years Loan Origination
18
Years Real Estate
877741
NMLS
454749
TX License
Building Wealth Through Homeownership
Assist families in starting the path towards homeownership and be a part of their wealth building and independence journey.
My Mission
I believe a family's home is ultimately the biggest wealth building asset a person or family can create. And my professional interest has always been one of growing a family's personal wealth. So it is a natural fit that I became a loan originator and real estate agent to best fulfill this purpose.
Every client I work with gets the full benefit of someone who understands not just how to help you find a home, but how to help you finance it, protect your investment, and build long-term equity. This is not just a transaction for me. It is a partnership focused on your financial future.
What Sets Me Apart
The Dual License Advantage
As both a mortgage loan officer and a REALTOR, I bring a combined perspective that most agents cannot offer. Here is what that means for you.
I See Both Sides
As a REALTOR and Loan Officer, I understand both the real estate and financing sides of every transaction. Most agents can only see half the picture.
Stronger Offers
I structure purchase offers with financing knowledge that makes them cleaner, stronger, and more likely to get accepted in competitive markets.
Less Cash Out of Pocket
I help identify down payment assistance, rate buydowns, and loan programs that minimize what you bring to closing.
One Point of Contact
No more playing telephone between your agent and your lender. I handle both, keeping your timeline tight and your stress low.
Understanding affordability before shopping
Structuring financing before an offer
Coordinating financing with negotiation strategy
Evaluating seller concessions and rate buydowns
Understanding appraisal implications
Comparing builder incentives against loan options
Credentials
Licensed, Experienced, Dual-Qualified
NMLS 877741
Mortgage Loan Originator
TX Sales Agent License 454749
Texas Real Estate Commission
NEXA Lending
Mortgage Company
AXEN Realty LLC
Real Estate Brokerage
23+ Years Loan Origination
Since 2003
18 Years Real Estate Sales
Since 2007
Dual-Licensed Professional
Serving Greater San Antonio & the Texas Hill Country
Who I Help
Every Buyer, Seller, and Investor Has a Partner Here
Service Areas
Areas Patrick Serves
Greater San Antonio & the Texas Hill Country
San Antonio / Bexar County
US-281 / Hill Country
I-35 Corridor
I-10 / Hill Country
Specialties
What Patrick Specializes In
Ask Patrick
Patrick has built an extensive educational knowledge center answering real questions about mortgages, buying, selling, financing, and San Antonio communities. The library is continuously growing, covering hundreds of topics to help you make informed decisions.
The Mortgage Patriot on YouTube
Educational videos on mortgages, homebuying, first-time buyers, contracts, financing, and San Antonio real estate. Patrick breaks down complex topics into clear, actionable advice.
Essential First-Time Homebuyer Roadmap
A step-by-step guide from preapproval to keys in your hand.
Preapproval
Know your budget before you start looking.
Home Search
Tour homes and find the right fit.
Offer & Contract
Write a competitive offer and negotiate.
Inspection
Understand the home's condition.
Appraisal
Verify the home's value matches the loan.
Financing
Finalize your loan and lock your rate.
Closing
Sign documents and finalize everything.
Keys
Welcome home. You made it.
Homebuyer Webinar
Join Patrick's free homebuyer webinar to learn the step-by-step process of buying a home, understanding financing options, and making confident decisions.
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. Our home was out of our price range, got price reduced, got us in for less then the cost of moving.”
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
Google“Thanks for all your help Kevin. You have been a wonderful coach and mortgage advisor. I appreciate your wisdom and your kindness. It has made the refinance process so much easier for me. If I ever do this again, you will be my first call.”
Peg Stearn
Google“Kevin always goes above and beyond to make every purchase a positive experience. He works diligently and answers all of my questions. I have worked with Kevin several times now, and would highly recommend him to anyone.”
Morgan Dunn
GoogleFind Patrick Online
Frequently Asked Questions
Who is Patrick Kevin Fagan?
What is The Mortgage Patriot?
Is Patrick both a mortgage loan officer and a REALTOR?
Does Patrick help first-time homebuyers?
Does Patrick help with VA loans?
What areas does Patrick serve?
How do I contact Patrick?
Ready to Get Started?
Whether you are buying your first home or your fifth, Patrick is here to make the process clear and confidence-building.
Email: pfagan@nexalending.com