Your Texas Mortgage Loan Officer, On Your Side
I am Patrick Kevin Fagan, a mortgage loan officer with NEXA Lending (formerly NEXA Mortgage) and a Texas real estate sales agent with AXEN Realty LLC. I originate home financing across the state of Texas and focus my real estate work on Greater San Antonio and the Texas Hill Country, where I help first-time buyers, growing families, veterans, and investors get clear financing and close with confidence.
Because I am licensed on both sides of the transaction, I can structure offers that get accepted and financing that minimizes your cash to close. That dual license is the reason clients call me for mortgage help first.
Who I Help
Mortgage Help for Every Stage of Homeownership
Whether you are buying your first home, moving up, relocating to San Antonio, or investing, I explain the loan options in plain English and build a financing plan around your numbers.
First-Time Buyers
I explain every stage from pre-approval to keys, so the process never feels like a mystery.
Growing Families
More space means a bigger loan structure. I help growing families find financing that protects the budget.
Military and Veterans
VA loan expertise and PCS support for the San Antonio military community, from eligibility to close.
New Construction
Builder contracts, incentives, and construction-friendly financing handled as one conversation.
Investors
Financing solutions for rental properties and portfolio growth across Texas.
Sellers
I work with sellers on pricing and negotiation strategy while helping their buyers get clear financing.
The Dual-License Advantage
A Loan Officer Who Also Holds a Real Estate Sales License
Most buyers work with two separate professionals who rarely talk to each other. On my side, the mortgage and the offer are one conversation. I structure purchase offers that appraise, underwrite, and close, and I design the financing to fit the offer.
My mortgage license is issued under NEXA Lending (NMLS 877741), formerly NEXA Mortgage. My Texas real estate sales license (#454749) is held with AXEN Realty LLC. I originate loans statewide and serve clients face to face across Greater San Antonio and the Texas Hill Country.
Lower Cash to Close
Down payment assistance, seller concessions, and loan structure used together to shrink what you bring to the table.
Stronger Offers
Offers backed by a pre-approval from the same professional who will underwrite and close the loan.
Patrick's Take
“My job is to replace uncertainty with confidence. I explain every step, protect your interests, and keep your money in your pocket whenever the rules allow it. You are never on your own with me.”
Patrick Kevin Fagan
Mortgage Loan Officer and REALTOR
Where I Lend
Statewide Origination, Local Expertise on the Ground
I originate home financing across the state of Texas. My real estate work is concentrated in Greater San Antonio and the Texas Hill Country, so my mortgage advice is grounded in the neighborhoods where you are actually buying.
San Antonio Mortgage Loan Officer
Mortgage lending built on local market knowledge plus a Texas real estate sales license.
Spring Branch TX Mortgage Loan Officer
Hill Country acreage, wells and septic, and USDA-friendly lending around Spring Branch.
Bulverde TX Mortgage Loan Officer
New construction and resale financing across Bulverde and the US-281 corridor.
VA Loans in Texas
Eligibility, benefits, funding fee, and the road from pre-approval to closing for veterans.
Texas Down Payment Assistance
Grants, forgiven loans, and lower cash-to-close strategies for Texas buyers.
Mortgages and Financing Q&A
Over 120 mortgage questions answered in plain language, from rates and buydowns to credit and closing costs.
Start Reading
Mortgage Guides Written by Patrick Kevin Fagan
How to Choose a Mortgage Lender in San Antonio
Local Lender vs Big Bank vs Online Lender
How Mortgage Rates and Loan Types Work
Why Your Real Estate Agent Is Not Your Mortgage Guy
One Professional for Both: Mortgage and Real Estate
The Best First-Time Homebuyer Loans in Texas
How to Get Pre-Approved
Mortgage and Financing Question Library
Ready to talk about your loan?
Book a free discovery call and we will map out your loan options, down payment assistance, and a realistic cash-to-close number. If you prefer, call or text me directly at 210-317-6514.
