Mortgage Loan Officer in Stone Oak
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 Stone Oak and the surrounding North San Antonio neighborhoods. 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 Stone Oak Homes
A Resale Market Built Around Families and Neighborhoods
Stone Oak is a resale-driven market where buyers usually know exactly what they want: a specific neighborhood, a school boundary, and a home that fits their family. What they often do not know is how the loan details, from HOA dues to escrow, change the monthly number for a specific home.
I work through those details before an offer, because the same property can have a very different real payment depending on the loan structure, the escrow setup, and the community\u2019s HOA. Buyers who pre-approve with me show up to offers with a financing letter that sellers in this market trust.
How I Help Stone Oak Buyers
- Conventional, FHA, and VA loans matched to the community and your goals.
- HOA dues and community-specific costs built into the real payment.
- Texas down payment assistance applied where it fits your scenario.
- Relocation timing handled from first call through closing.
- A pre-approval letter sellers know they can trust.
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 Stone Oak 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 Stone Oak
HOA Communities and the Real Payment
Almost every Stone Oak neighborhood has an HOA, and the dues are part of your qualification and your monthly payment. I show you how they affect your buying power before you tour, not after.
HOA fees in San Antonio, explainedVA Loans for Military Families
Military families and veterans relocate to San Antonio from every direction. 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.
Read the VA home buying guideDown Payment Assistance in Texas
Many first-time buyers want to know whether Texas down payment assistance fits. 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, explainedPre-Approval Before You Tour
Stone Oak homes move quickly, and sellers want to see financing they can trust. I walk you through a full pre-approval before showings so your offer is ready when the right house appears.
Start your pre-approvalStart Reading
Stone Oak Mortgage Guides and Answers
Written by Patrick Kevin Fagan for buyers considering Stone Oak and the surrounding North San Antonio neighborhoods.
Live in Stone Oak: A Buyer’s Guide
What Should I Know About Stone Oak?
Live in North San Antonio: A Buyer’s Guide
How to Get Pre-Approved
New Construction vs. Resale in San Antonio
Mortgages and Financing Q&A
Buying in Stone Oak?
Book a free discovery call and we will map your loan options, down payment assistance, and a realistic cash-to-close number for a Stone Oak 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 North San Antonio 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.
