Mortgage Loan Officer in North San Antonio
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 across North San Antonio. 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 North San Antonio Homes
A Resale Market Where Relocation Meets First-Time Buying
North San Antonio is where many relocations land, and where move-up buyers sell and buy in the same season. The market spans established neighborhoods and newer sections, so the right loan depends on the exact community and the buyer\u2019s goals.
As a loan officer who is also a licensed real estate sales agent, I connect the financing to the market reality: what a pre-approval really buys you in a competitive offer, how escrow and HOA dues shape the payment, and how timing works when you are selling one home and buying another.
How I Help North San Antonio Buyers
- Pre-approval that reflects the real insurance, escrow, and HOA dues picture.
- Conventional, FHA, and VA options matched to the community and your goals.
- Texas down payment assistance applied for first-time buyers where it fits.
- Sell-and-buy coordination when you are listing one home to purchase another.
- A clear explanation of every document, deadline, and step from contract to keys.
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 North San Antonio 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 North San Antonio
Move-Up and Resale Financing
Most North San Antonio inventory is resale, and move-up buyers often carry the timing of a sale into the purchase. I explain how your equity, timing, and loan structure come together, and when a bridge between the two makes sense.
New construction vs. resale, explainedVA and Military Relocation
Veterans and military families 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.
VA loans for military families, explainedDown Payment Assistance in Texas
Texas down payment assistance programs change what a first-time 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, explainedSchools and Special Districts
School assignment is by exact address, and newer communities can carry special districts. I work through these with you so the payment you plan for is the payment you get.
Read the North San Antonio community guideStart Reading
North San Antonio Mortgage Guides and Answers
Written by Patrick Kevin Fagan for buyers considering North San Antonio and the Greater San Antonio area.
Live in North San Antonio: A Buyer’s Guide
What Should I Know About North San Antonio?
Live in Stone Oak: A Buyer’s Guide
How to Choose a Mortgage Lender in San Antonio
The Best First-Time Homebuyer Loans in Texas
Mortgages and Financing Q&A
Buying in North San Antonio?
Book a free discovery call and we will map your loan options, down payment assistance, and a realistic cash-to-close number for a North San Antonio 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 Stone Oak 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.
