About Me
The Guy Who Teaches
the Whole Process
Patrick Kevin Fagan, also known as The Mortgage Patriot, is dual-licensed in Texas: a Senior Home Loan Officer with NEXA Lending (NMLS #877741, company NMLS #1660690) and a REALTOR with AXEN Realty LLC (Texas Sales Agent License #454749). In plain terms, he knows the money side and the home side of the deal, because he works both sides every day.
He has more than 23 years of mortgage loan origination experience and 19 years in real estate sales, and he helps first-time homebuyers locate, finance, and close on primary residences. He originates home loans anywhere in Texas, while his real estate practice focuses on Greater San Antonio and the Texas Hill Country, including San Antonio, Boerne, New Braunfels, Bulverde, Stone Oak, Helotes, Schertz, Cibolo, and the surrounding communities. His educational YouTube channel, The Mortgage Patriot, covers lowering your interest rate, minimizing cash to close, and down payment assistance, and he also works with investors on financing solutions and seasoned sellers who want to maximize their home's market price.
“I assist first-time homebuyers throughout Texas with financing, and I originate home loans anywhere in the state. I work with real estate clients mainly around San Antonio and Bexar County, and across the Texas Hill Country.”
Patrick Kevin Fagan, The Mortgage Patriot
The Origin Story
Why I Do What I Do
I've always believed a family's home can be one of the biggest wealth-building assets they ever own. That's what pulled me into both mortgage lending and real estate.
Over the years, I kept seeing first-time buyers overwhelmed because nobody had ever sat them down and explained the whole process from beginning to end. They'd show up worried about credit, confused about down payments, unsure how much house they could afford, and completely lost once the contract started moving.
That's why I created The Essential First-Time Homebuyer Roadmap and this webinar. I want buyers to understand what happens before they ever have to make a major financial decision, from getting prepared and approved all the way through the contract, inspection, appraisal, financing, closing, and getting the keys.
Real Work, Every Day
Training, Homes, and Closings
A look at the work: buyer education, homes helped, and the closings that end with keys in hand.
Homes Helped
Kitchens and floor plans like this one, where buyers learn what a home is really worth before they make an offer.
Buyer Education
Training sessions where the entire process, from pre-approval to keys, gets explained out loud, not in fine print.
Face to Face
Office meetings where the numbers, loan options, and cash to close get laid out plainly before signing day.
The Roadmap
First-time homebuyer classes built on The Essential Roadmap, teaching the step-by-step path to your keys.
Closings
The best part of the job: celebrating at the title company when first-time buyers get their keys.
My Mission
Give first-time homebuyers a clear roadmap so they understand the entire process, avoid costly mistakes, and make smarter decisions from day one.
By the Numbers
Experience You Can Count On
23+
Years in Mortgage Lending
19
Years in Real Estate
23+
Years Originating Loans
2
Active Licenses
Credentials
Licensed and Ready
Mortgage Loan Officer
NMLS #877741
Real Estate Sales Agent
TX License #454749
AXEN Realty LLC
1399 Frontier, Spring Branch, TX 78070
Service Area
Loan origination: anywhere in Texas (statewide). Real estate: Greater San Antonio, Bexar County and the Texas Hill Country.
Typical Price Range
$300K to $1,000,000
Who I Work With
Primary Client Types
First-Time Buyers
The core audience. People buying their first home who want the process explained clearly, start to finish.
Growing Families
Move-up buyers who need more space and want to make a smart transition.
Military & Veterans
VA loan expertise for service members PCS-ing or transitioning to civilian life in San Antonio.
Empty Nesters
Downsizing with confidence, understanding equity, and making the next move count.
New Construction
Buying new build? Understand the process, the contracts, and what to watch for before signing.
Relocating to Texas
Moving to San Antonio or the Hill Country? Patrick knows the market and the communities.
Ready to Start?
Join the free webinar and get the complete roadmap from Patrick Kevin Fagan, The Mortgage Patriot.