YOUR HOME LOAN EXPERT + REALTOR®
Patrick Kevin Fagan, REALTOR and Loan Officer

I'm Patrick Kevin Fagan, a dual-licensed Texas REALTOR and mortgage loan officer helping first-time homebuyers, investors, and sellers across Greater San Antonio and the Texas Hill Country. With 23+ years in loan origination and 18 years in real estate sales, I make financing and closing a primary residence in Texas simpler. Explore the free first-time homebuyer guide, educational videos, and local community guides right here.

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.

Live webinar · September 24 · 7 PM CT

The Mortgage Patriot Live Webinar

Join me for a live homebuying masterclass packed with financing hacks, negotiation strategies, costly mistakes to avoid, and expert tips most buyers never hear. Bring your questions — I’ll answer them live.

Save My Seat

Free to attend · Live Q&A after

$5.04M

Real Estate Sales Volume

2025-2026 YTD

$5.99M

Home Loan Volume

2025-2026 YTD

23+

Years in Loan Origination

2

Licenses. One Expert.

THE COMPLETE FIRST-TIME BUYER PLAYBOOK

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.

169 Pages 32 Patriot Pro Tips 28 Reality Bites Real Closing Examples Actionable Checklists
The Essential First-Time Homebuyer Roadmap book cover - 169-page guide by Patrick Kevin Fagan
169 Pages
TX License: 454749 Patrick Kevin Fagan · The Mortgage Patriot AXEN Realty LLC

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.

Read Patrick's Story

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.

MARKET DATA

Greater San Antonio Market Snapshot

Current market conditions across Patrick's primary service areas. Data reflects the most recent available reporting period.

San Antonio $295,000
YoY +4.5%
Days on Market 42
Closed Sales 779
Bulverde $419,781
YoY +3.4%
Days on Market 38
Closed Sales 412
Spring Branch $504,000
YoY -24% correction
Days on Market 91
Closed Sales 285
New Braunfels $344,470
YoY +2.1%
Days on Market 35
Closed Sales 2,948
Boerne $425,000
YoY +4.8%
Days on Market 40
Closed Sales 520
Schertz $310,000
YoY +3.2%
Days on Market 30
Closed Sales 680
Cibolo $295,000
YoY +2.8%
Days on Market 28
Closed Sales 445
Helotes $385,000
YoY +6.1%
Days on Market 32
Closed Sales 310

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 Area

The 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.

01

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.

02

Find Your Match

I tour homes with you, explain neighborhoods, and help you spot the right property for your family and budget.

03

Negotiate & Close

I write winning offers, manage inspections and appraisals, and guide you through every detail to the closing table.

04

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

Newest Guides

Latest buyer and seller guides

The newest free guides from Patrick, from down payment assistance and VA loans to the questions San Antonio buyers ask most.

Selling Your Home

How Do I Choose the Right Listing Agent in San Antonio or the Texas Hill Country?

Read Guide

Selling Your Home

Sell First or Buy First in San Antonio's 2026 Market?

Read Guide

Selling Your Home

How Do I Price a Hill Country Home So It Sells Without a Price Reduction?

Read Guide

Selling Your Home

How Do Foundation Issues Affect Selling a Home in San Antonio?

Read Guide

New Construction

New Construction vs Existing Home in New Braunfels: Which Is the Better Buy?

Read Guide

Selling Your Home

How Long Does It Take to Sell a Home in New Braunfels / Comal County in 2026?

Read Guide

Selling Your Home

Is Selling My House As-Is Worth It, and How Much Will It Cost Me?

Read Guide

Selling Your Home

How Much Does It Cost to Sell a House in San Antonio or the Texas Hill Country?

Read Guide

Selling Your Home

Should I Sell My Home in San Antonio in 2026?

Read Guide

Selling Your Home

What Repairs Should I Make Before Selling My San Antonio Home?

Read Guide

Financing & Programs

What Is a Mortgage Rate Buydown and Is It Worth It?

Read Guide

Financing & Programs

How to Buy a Home With No Money Down (VA, USDA, and DPA)

Read Guide

Taxes & Home Values

How Much Are Property Taxes in San Antonio and the Texas Hill Country?

Read Guide

New Construction

New Construction vs Existing Home in Texas: Which Is the Better Buy?

Read Guide

Texas Contracts

What Is the Option Period in Texas and How Do I Use It?

Read Guide

Offers & Negotiation

How Do Seller Concessions Work in Texas and When Do They Make Sense?

Read Guide

Market Timing

Should I Buy a Home Now or Wait for Rates to Drop?

Read Guide

Affordability

How Much House Can I Afford? (San Antonio Edition)

Read Guide

Credit & Financing

What Credit Score Do I Need to Buy a House in 2026?

Read Guide

Costs & Closing

How Much Are Closing Costs for Buyers in Texas?

Read Guide

Selling Your Home

Should I Sell My Home Without an Agent in Texas?

Read Guide

Mortgages & Financing

Why Pre-Approval Matters More Than Ever in the Hill Country

Read Guide

Hill Country

Texas Hill Country Acreage Checklist: Water, Septic, Access, and Taxes

Read Guide

Buying a Home

Move-In Ready vs Needs Work in San Antonio and the Hill Country: What It Really Costs After You Buy

Read Guide

Selling Your Home

How Much Is My Home Worth in San Antonio? A Plain-Language Seller's Guide

Read Guide

COMMON 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.

“Patrick Kevin Fagan 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
“Patrick Kevin Fagan 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 Patrick Kevin Fagan 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 Kevin 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

Let'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.

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.

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