Patrick Kevin Fagan

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About Patrick Kevin

I’m Patrick Kevin Fagan, The Mortgage Patriot, a dual-licensed Senior Mortgage Loan Officer and Texas REALTOR® with 20+ years of experience helping first-time homebuyers and move-up buyers win on both the financing and real estate sides of the transaction. My specialty is building a better deal from the beginning. I combine expert real estate negotiation with creative mortgage strategy, Down Payment Assistance, seller concessions, builder incentives, closing-cost credits, rate strategies, and the right loan structure to help reduce your cash-to-close as much as realistically possible. For many buyers, especially first-time homebuyers, cash-to-close is the biggest obstacle. I attack that number from every angle. I review the down payment, closing costs, prepaid taxes and insurance, available DPA, seller-paid costs, lender options, builder incentives, and negotiation opportunities so we can structure the strongest overall homebuying strategy for your situation. As a REALTOR®, I negotiate far beyond price. I focus on seller concessions, repairs, credits, closing-cost assistance, favorable contract terms, and other opportunities that can save you money and protect you throughout the purchase. As a Mortgage Loan Officer, I help Texas homebuyers evaluate FHA, Conventional, VA, USDA, renovation, and Down Payment Assistance programs based on credit, income, debt, goals, and available cash. I serve mortgage clients throughout Texas, including San Antonio, Austin, Houston, Dallas-Fort Worth, and El Paso. My boots-on-the-ground real estate expertise is concentrated in Greater San Antonio, North San Antonio, Spring Branch, Bulverde, New Braunfels, Boerne-area communities, and the Texas Hill Country. I also created The Mortgage Patriot YouTube channel to give homebuyers practical, no-nonsense education on first-time homebuying, mortgages, DPA, cash-to-close, seller concessions, credit, home tours, inspections, negotiations, new construction, and the mistakes buyers need to avoid. My goal is simple: help you understand the process, negotiate aggressively, minimize unnecessary out-of-pocket costs, and walk away with the best overall deal we can build. Patrick Kevin Fagan The Mortgage Patriot NMLS #877741 Texas Real Estate License #454749

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