Mortgage Loan Officer in Boerne
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 Boerne and the surrounding Texas Hill Country. 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 Hill Country Homes
Historic Main Street, New Construction, or Acreage: The Loan Fits the House
Boerne is not one kind of market. Buyers look at historic downtown properties, newer HOA communities, and ranch properties on large lots, sometimes in the same search. Each one has different financing details, from appraisal considerations to wells and septic on acreage homes.
My dual license means the person explaining your loan options is also the person who understands this market from the listing side: the local neighborhoods, the property details that matter, and which financing actually closes on a Hill Country property.
How I Help Boerne Buyers
- Pre-approval built on the real Boerne picture: taxes, insurance, and HOA dues included.
- Conventional, FHA, VA, and USDA options matched to historic, new, and acreage homes.
- New construction financing compared against the builder’s preferred lender.
- Down payment assistance and seller concessions used together to lower cash to close.
- Wells, septic, and larger-lot due diligence explained before you write an offer.
Boerne Buyers' Proof
Real Clients, Real Cash-to-Close Results
Every review below is a real Google review from a client Patrick served in the San Antonio and Hill Country area. He holds a 5.0 average across 50 Google reviews.
“Words can't begin to describe how content I am with Patrick Kevin Fagan and his amazing team! They were highly attentive every step of the way, answering any questions or concerns we may have had.”
Victoria Reyna · First-Time Buyer
First home, roughly $3K out of pocket on a $245K home
“I came across Mr. Fagan the Mortgage Patriot on YouTube after experiencing a few hurdles while trying to buy a home. He's 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.”
Vince White · First-Time Buyer
Found him on YouTube; seller concessions kept cash in his pocket
“The Mortgage Patriot rocks! Patrick Kevin Fagan and his team helped coordinate finding the perfect home, negotiating the deal and then getting me a great deal on my mortgage. Couldn't be more happy and would recommend him to everyone!”
Jane Lambert · First-Time Buyer
$10,200 in seller concessions plus $3K gift funds; check for under $3K at closing
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 Boerne 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 Boerne
New Construction and Hill Country Lots
Boerne and Fair Oaks Ranch are filling with new sections on larger lots. I compare the builder’s incentive package against an independent quote and check the details, from completion timelines to what the rate sheet actually says.
See new construction in Boerne and Fair Oaks RanchUSDA Eligibility in the Hill Country
Many Hill Country addresses fall in USDA-eligible areas, but eligibility is property-specific, never assumed. I check the map against the exact address and compare zero-down USDA against VA, FHA, and conventional.
USDA loans in the Texas Hill CountryHistoric Homes Near Main Street
Older homes near downtown Boerne can bring renovation and appraisal questions that newer homes do not. I explain how age, condition, and lot size affect the loan before you fall for the charm.
Read the Boerne community guideDown Payment Assistance in Texas
Texas down payment assistance programs change what a 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, explainedLoan Options Compared
Which Loan Fits a Boerne Purchase?
Boerne buyers often compare four loan programs. The right one depends on your credit, cash position, and the property itself. Here is how they stack up for a Hill Country purchase.
| Loan Type | Down Payment | Who It Fits | Why It Matters in Boerne |
|---|---|---|---|
| Conventional | 3% or more | Buyers with solid credit and a conventional reserve | Common for resale and new construction; pairs well with Texas down payment assistance. |
| FHA | 3.5% | First-time buyers and lower credit scores | A frequent first-home choice; carries monthly mortgage insurance for the life of the loan. |
| VA | 0% | Veterans, active-duty, and eligible spouses | No down payment and no monthly PMI; strong for military families relocating near JBSA. |
| USDA | 0% | Buyers in USDA-eligible rural areas | Many Hill Country addresses qualify, but eligibility is property-specific and never assumed. |
Down payment figures are program minimums and assume a primary residence. Your exact terms depend on credit, loan amount, and the property. Loan origination is available statewide across Texas.
Boerne Market Snapshot
What the Boerne Numbers Say
These figures come from working primary sources and change monthly. They give you context, not a price quote. Your exact purchase is built from dated comparables for your specific streets.
$550,000
Kendall County median sale price
Redfin, 48 closed sales, Feb 2026, down 6.5% year over year, about 129 days on market.
~$668,000
ZIP 78006 median list price
HAR.com snapshot, roughly 535 active listings, March 2026.
Top-rated
Boerne ISD schools
Boerne ISD is consistently rated among the top school districts in Texas.
~$1.86
Typical in-city tax stack
Per $100 of value: Kendall County about $0.377, Boerne ISD about $1.0109, City of Boerne about $0.472.
Sources: Redfin Kendall County housing market, HAR.com ZIP 78006 listing snapshot, and Kendall Appraisal District tax rates. Figures are reported as published and are not a quote or valuation for any specific property.
Boerne Mortgage FAQ
Boerne Mortgage Questions, Answered
These are the financing questions Boerne and Hill Country buyers ask me most, answered in plain English.
Can I get a USDA zero-down loan in Boerne?
Many Hill Country addresses, including parts of the Boerne area, fall in USDA-eligible areas. Eligibility is property-specific, never assumed from a ZIP code. I check the exact address against the USDA map and compare zero-down USDA against VA, FHA, and conventional before we decide.
Do acreage homes with wells and septic need special financing?
A home on a private well and septic system brings extra underwriting, appraisal, and inspection steps that a city-served home does not. I walk buyers through well records, septic permits, and the appraisal requirements before a contract is signed, so there are no surprises at closing.
Should I use the builder’s lender for new construction in Boerne?
Not automatically. Builders often offer incentives through their preferred lender, but those incentives have fine print and the rate sheet may not beat an independent quote. I compare both sides and show you the real math, including whether you can keep the incentive and use your own lender.
How much do I need for a down payment in Boerne?
It depends on the loan program and your cash position. Conventional starts at 3%, FHA at 3.5%, and VA and USDA at 0%. Texas down payment assistance can reduce what you bring to closing, and seller concessions can further lower your cash to close. I map all of it for your specific purchase.
How are Boerne property taxes factored into my payment?
Property taxes are part of your monthly payment through escrow. Boerne taxes are the sum of separate entities: Kendall County, Boerne ISD, the City of Boerne when inside city limits, and any special district. A typical in-city stack runs near $1.86 per $100 of value, but I verify the exact parcel through the Kendall Appraisal District.
Start Reading
Boerne Mortgage Guides and Answers
Written by Patrick Kevin Fagan for buyers considering Boerne and the Texas Hill Country.
Live in Boerne: A Buyer’s Guide
What Should I Know About Boerne?
New Construction in Boerne and Fair Oaks Ranch
USDA Loans Zero Down: What to Know
The Best First-Time Homebuyer Loans in Texas
Mortgages and Financing Q&A
Buying in Boerne or the Hill Country?
Book a free discovery call and we will map your loan options, down payment assistance, and a realistic cash-to-close number for a Boerne 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 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.
