Track Record
Patrick Kevin Fagan: 2025 Track Record
This page is the simple, factual summary of my 2025 business: the closings, the loans, and the way I work. Every number is aggregated, so no client names and no identifying details appear anywhere. I keep my results public because the best way to build trust is to show the work.
The 2025 Numbers
Closings, loans, and volume, in plain figures
All figures are for calendar year 2025 and are aggregated, never tied to any individual client.
23
Total Closings in 2025
17
Financed Loans
$4.3M
Roughly, in Loan Volume
$253K
Average Loan Size, Approximate
75%
First-Time Buyers, Approximate
I Finance It, and I Sell It
2025 volume, side by side
Real estate sales volume for 2025, compiled from my closing disclosures.
2025 · Loan Volume
$4.3M
Roughly, in Loan Volume
17 financed loans originated
2025 · Real Estate Sales
$3,130,400
Real Estate Sales Volume
11 transactions: 1 listing sale + 10 buyer-side purchases
Footnote: The $3,130,400 figure counts direct transaction volume only, compiled from my 2025 closing disclosures, and is not the same as loan volume. It excludes one additional Lee Bryant referral transaction of $233,000, which paid a 25% referral fee for referring a buyer to an agent in another city and is kept separate on purpose. With that referral included, the 2025 total is $3,363,400 across 12 transactions.
The full breakdown
- 123 total closings in 2025, across financing and real estate.
- 217 financed loans originated during the year.
- 3Roughly $4.3M in loan volume, with an average loan around $253K.
- 4About 75% of buyers were first-time buyers, my primary focus every year.
- 53 refinances, including one cash-out refinance that pulled $192K of equity for the homeowner.
- 62 VA loans for military families.
- 7About 3 down-payment-assistance loans, used where the program made clear sense for the buyer.
- 86 agent-only transactions: 3 new builds, 2 ZoomCasa sell-and-buy pairs, and a duplex sold at a 2% commission for a repeat client.
- 95 deals where I served as both loan officer and buyer agent on the same transaction, the core of the dual-license advantage.
I Finance It, and I Sell It
2026 (year to date), side by side
2026 production to date, compiled from my closing disclosures.
2026 (year to date) · Loan Volume
$1,685,100
Loan Volume
6 loans: purchase and renovation loans
2026 (year to date) · Real Estate Purchases
$1,905,000
Real Estate Purchase Volume
4 transactions, including the $925,000 John Rosser new-build purchase
Footnote: Two of the four 2026 transactions were dual, with me serving as both loan officer and buyer's agent: Aurelio Mascias at $317,000 and Isaiah Zavala at $344,000. Both purchases are included in the $1,905,000 figure above.
How I Work
One expert, both sides of the deal
I am a dual-licensed loan officer and REALTOR. That means I can represent you in the purchase and structure your loan on the same transaction, so nothing gets lost between the real estate side and the financing side. When the seller, the title company, and the lender are all looking at one coordinated plan, deals close faster and with fewer surprises.
My default strategy is negotiation, not extra borrowing. I work to lower your cash-to-close through seller concessions and sharp price and repair negotiation instead of leaning on down payment assistance when rates make it not worth it. Every dollar I keep in your pocket is a dollar you keep earning for your family. That is what "on your side" means to me.
How the dual license helps your purchase
- 1Pre-approval is built with the offer strategy in mind, so the numbers you shop with are the numbers you close with.
- 2Offers are structured to look stronger to sellers while protecting your budget, which matters in multiple-offer situations.
- 3Seller concessions and negotiation lower the cash you bring to closing, rather than adding cost you pay back over the life of the loan.
- 4One coordination point from contract to closing: inspections, appraisals, title, funding, and the final walk-through.
Example only: on a $300,000 purchase, 3% in seller concessions equals $9,000 toward your closing costs and prepaids, which lowers your cash-to-close before you write a check. Actual concessions depend on what the seller agrees to and what your loan program allows.
Common Questions
Questions buyers ask about how I work
What does dual licensed mean?
I hold a Texas real estate sales agent license (454749) through AXEN Realty LLC and an NMLS mortgage originator license (877741) through NEXA Lending. On the same transaction, I can represent you as your agent and originate your loan, which keeps the real estate side and the financing side coordinated under one plan.
What is a cash-out refinance?
A cash-out refinance replaces your existing mortgage with a larger one and pays you the difference in cash. It turns home equity you have already built into cash you can use, for renovations, debt consolidation, or other goals. In 2025, one of my refinances pulled $192K of equity this way for a homeowner.
Do you work with VA buyers?
Yes. VA loans were part of my 2025 originations, and I regularly help military families, veterans, and PCS relocations to San Antonio use the VA benefit, including zero-down options where they qualify and guidance through the funding fee and eligibility steps.
How do seller concessions lower closing costs?
Concessions are dollars the seller agrees to contribute toward your closing costs or rate. When I negotiate concessions into the contract, you bring less cash to closing. Example only: on a $300,000 purchase, 3% in concessions equals $9,000 toward closing costs and prepaids, lowering your cash-to-close before you ever write a check.
These numbers are someone's next chapter. Make it yours.
Whether you are buying your first home, growing your family, moving to Texas, building, or refinancing, I would like to bring the same structure and negotiation to your deal. The reviews page shows what clients say about working together; the call is where your roadmap starts.
Sincerely, Patrick Kevin Fagan, The Mortgage Patriot
