Mortgage Loan Officer in Schertz
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 Schertz 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 Schertz Homes
A First-Time Buyer Community With Growing-Family Energy
Many of my Schertz clients are first-time buyers working with a clear budget and a lot of questions, which is exactly how I like to start. We build the financing plan before we tour, so every offer is backed by a real pre-approval.
Because I am licensed as both a loan officer and a Texas real estate sales agent, I can show you exactly how your loan choice changes your offer in a competitive market, and how the right pre-approval keeps your buying power honest from day one.
How I Help Schertz Buyers
- VA loans explained for active-duty, veterans, and reservists.
- FHA and conventional first-time buyer loans with clear cash-to-close math.
- Texas down payment assistance applied to reduce what you bring to closing.
- New construction and builder incentive comparisons with the fine print spelled out.
- A clear escrow and closing-cost picture so the payment you plan for is the payment you get.
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 Schertz 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 Schertz
VA Loans for Military Families
VA loans let military families buy with no down payment and no monthly mortgage insurance. I explain VA eligibility, the funding fee, and how a VA offer competes, and I keep the loan on track when your report date is fixed.
VA loans for military families, explainedNew Construction and Builder Financing
Builders’ preferred lenders are not always your best deal, so I compare their incentive package against an independent quote before you sign anything.
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, explainedThe Address-Specific Details That Matter
School assignment, flood zone, and escrow details can depend on the exact parcel. I flag these before you make an offer so the monthly payment matches reality.
Read the Schertz community guideStart Reading
Schertz Mortgage Guides and Answers
Written by Patrick Kevin Fagan for buyers considering Schertz and the Greater San Antonio area.
Live in Schertz: A Buyer’s Guide
What Should I Know About Schertz?
New Construction in Schertz and Cibolo
VA Loans for Military Families in San Antonio
The Best First-Time Homebuyer Loans in Texas
Mortgages and Financing Q&A
Buying in Schertz?
Book a free discovery call and we will map your loan options, down payment assistance, and a realistic cash-to-close number for a Schertz 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 Cibolo 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.
