The Buyer’s Agent Who Knows Your Loan
From first-time buyer programs to Hill Country estates, let’s win the right home with the lowest cash to close.
+ $1,500 TOWARD YOUR CASH TO CLOSE
When I represent you. Terms apply.
"...most importantly saving my family a huge sum on closing costs."
Isaiah Zavala · Google review
“He’s very responsive, professional and will clearly explain every step of your buying process.”
Vince White · Google Review
WORK DIRECTLY WITH
Patrick Kevin Fagan
Senior Loan Officer + Texas REALTOR® NMLS #877741 · 23+ years
What happens next
- 1
Tell me what you need
Timing, budget, and areas.
- 2
Get your home search plan
Homes that fit, with real numbers.
- 3
Tour, offer, and close
I negotiate. You keep more cash.
Why buyers hire Patrick
Find the Right Home
I help you narrow the search to homes that fit your goals, preferred areas, and budget, so each showing has a purpose.
Negotiate a Better Deal
I review comparable sales and help you negotiate the price, repairs, seller concessions, and contract terms.
Look for Ways to Lower Closing Costs
I look for available seller contributions and applicable incentives that may reduce what you bring to closing.
Have Someone in Your Corner
I explain inspections, contract deadlines, and closing steps so you can make informed decisions and know what comes next.
What does it cost to use me as your buyer's agent?
Before we tour homes together, Texas practice now requires a written buyer representation agreement that spells out how I'm paid. In many deals the seller still covers buyer agent compensation, and I negotiate for that on every offer. If a seller won't, we plan for it together before you make an offer, so there are no surprises at closing.
What Happens After You Reach Out?
- 1
Tell me you're looking to buy.
Start with the short form. No documents needed.
- 2
We build your home search plan.
I'll follow up to learn your preferred areas, budget, and priorities, then help you identify homes that fit.
- 3
We tour, negotiate, and work toward closing.
I guide you through showings, offers, inspections, and the steps to closing.
Frequently asked questions
What happens after I submit the form?
I'll personally reach out within one business day to learn where you want to buy, your budget, and what matters most to you. Then we'll build your home search plan. No pressure, no obligation to hire me.
What areas do you serve?
Greater San Antonio and the Texas Hill Country, including Bulverde, Spring Branch, Boerne, New Braunfels, Stone Oak, and Canyon Lake. I also originate home financing across Texas.
Do I need to be pre-approved first?
No. You can start the search whenever you are ready. When the time comes to make an offer, being pre-approved makes your offer stronger, and Patrick can handle the financing with one conversation.
Can I use my own lender?
Yes. You can hire me as your buyer agent and keep your preferred lender. I coordinate with your lender so the offer, financing, and closing stay on track. If you use me for both, you get one point of contact.
How does buyer representation and compensation work?
Before we tour homes together, Texas practice requires a written buyer representation agreement that spells out how I am paid. In many deals the seller still covers buyer agent compensation, and I negotiate for that on every offer. If a seller will not, we plan for it together before you make an offer, so there are no surprises at closing.
How does the $1,500 credit work?
When Patrick represents you as your buyer agent, you receive $1,500 toward your cash to close. Terms apply, and Patrick will confirm the specific conditions for your purchase when you speak.
Need a loan too? Get pre-approved
