Mortgage Loan Officer in Cibolo
Texas Real Estate Sales Agent #454749, AXEN Realty LLC · Senior Loan Officer, NMLS ID #877741, NEXA Mortgage, LLC
I am Patrick Kevin Fagan, a mortgage loan officer who works with buyers in Cibolo and the surrounding Greater San Antonio area. I hold a Texas real estate sales license too, so I am licensed for both the financing and the home purchase.
My focus is first-time homebuyers. I help buyers compare VA, FHA, and conventional loans and pair them with Texas down payment assistance. Loan origination is available statewide across Texas.
Financing Cibolo Homes
Where First-Time Buyers Find Their First Home and Their First Pre-Approval
Many of my Cibolo clients are first-time buyers who want more home for their money, and new construction here is opening all the time. Established resale neighborhoods offer an alternative for buyers who prefer a quicker close, and I walk through both with the financing math in front of us.
I guide buyers through the choice between new build and resale with the financing details in front of them: builder incentives compared against independent quotes, USDA and VA eligibility checked by address, and down payment assistance applied where it fits.
How I Help Cibolo Buyers
- VA loans explained for military families and veterans.
- FHA and conventional first-time buyer loans with honest cash-to-close math.
- Texas down payment assistance applied to reduce what you bring to closing.
- New construction financing compared against the builder’s preferred lender.
- USDA eligibility and flood zone checked for the exact address, never assumed.
Learn Before You Buy
The Mortgage Patriot on YouTube
I built my YouTube channel, The Mortgage Patriot, to teach buyers how to lower interest rates, minimize cash to close, and find down payment assistance. Every video is a plain-English walkthrough of the exact questions Cibolo and Texas buyers ask.
Subscribe and watch a few episodes before you tour homes. You will walk into the process knowing what pre-approval really means, what the loan estimate is telling you, and what to ask at every step.
Local Mortgage Topics
What Buyers Ask Me in Cibolo
VA Loans for Military Families
Military families buy on a PCS timeline, sometimes for the very first time. I explain VA eligibility, the funding fee, and how a VA offer competes, and I keep the loan on track when your move date is fixed.
Read the VA home buying guideNew Construction and Builder Financing
Builder incentives can look great on paper. I compare the builder’s preferred lender offer against an independent quote so you know the real cost of the free options.
See new construction in Schertz and CiboloDown Payment Assistance in Texas
Texas down payment assistance programs change what a first-time buyer brings to closing. I check current program fit against your income and purchase price and show how DPA pairs with FHA, conventional, and VA loans.
Texas down payment assistance, explainedUSDA, Flood, and Special Districts
Eligibility for zero-down USDA lending, flood insurance requirements, and MUD or PID taxes are all address-based questions in Cibolo. I flag them before you make an offer so the payment you plan for is the payment you get.
USDA loans zero down, explainedStart Reading
Cibolo Mortgage Guides and Answers
Written by Patrick Kevin Fagan for buyers considering Cibolo and the Greater San Antonio area.
Live in Cibolo: A Buyer’s Guide
What Should I Know About Cibolo?
New Construction in Schertz and Cibolo
VA Home Buying Guide
USDA Loans Zero Down: What to Know
Mortgages and Financing Q&A
Buying in Cibolo?
Book a free discovery call and we will map your loan options, down payment assistance, and a realistic cash-to-close number for a Cibolo purchase. Prefer to talk now? Call or text me directly at 210-317-6514.
Back to all mortgage services with Patrick Kevin Fagan, including the Schertz mortgage guide and Texas down payment assistance.
About Patrick Kevin Fagan, REALTOR®
Patrick Kevin Fagan is a Texas Real Estate Sales Agent (#454749) with AXEN Realty LLC and a Senior Loan Officer (NMLS ID #877741) with NEXA Mortgage, LLC (NMLS #1660690). He brings 23+ years in mortgage lending and 19 years in real estate, serving homebuyers, homeowners, and sellers across Greater San Antonio and the Texas Hill Country, with loan origination available statewide across Texas.
