Track Record
Patrick Kevin Fagan: Results, in Dollars
$11M+
Combined Loan and Real Estate Volume (2025 + 2026 YTD)
This page is a simple, factual summary of Patrick's 2025 business: the closings, the loans, and the way he works. Every number is aggregated, so no client names or identifying details appear. He keeps results public because showing the work builds trust.
By Year
Year by Year, in Dollars
The combined loan and real estate volume for each period, shown in plain dollars.
2026 (Year to Date)
$3,590,100
Combined loan and real estate volume
2025
$7.4M
Combined loan and real estate volume, approximately
All figures are combined loan and real estate volume, aggregated and never tied to any individual client.
How I Work
One expert, both sides of the deal
Patrick is a dual-licensed loan officer and REALTOR, and he works to lower your cash to close from both directions: seller concessions negotiated into the contract, plus sharp price and repair negotiation as the deal moves forward. One person who understands how the money works and how the house gets bought.
Example only: on a $300,000 purchase, 3% in seller concessions equals $9,000 toward closing costs and prepaids.
How the dual license helps a purchase
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One person explains the financing and the real estate at the same time, so nothing gets lost between the lender's office and the contract table.
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Pre-approval and offer strategy happen in the same conversation, so every offer is backed by numbers a lender will actually support.
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Cash to close gets attacked from both sides: concessions built into the offer, then price and repair credits negotiated after the inspection report lands.
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Option periods, appraisal and underwriting run on one timeline, so the financing and the contract never drift apart.
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If something changes after the offer (inspection findings, a low appraisal), the financing impact is handled in the same call.
Track Record FAQ
The Numbers, Explained
What does dual licensed mean?
Patrick is a dual-licensed professional: a Texas real estate sales agent with license #454749 through AXEN Realty LLC and a mortgage loan officer with individual NMLS #877741 through NEXA Lending. On the same purchase he can handle both sides: originate the financing and represent you as your buyer's agent. One person, both licenses, from pre-approval to getting your keys.
What is a cash-out refinance?
A cash-out refinance replaces your current mortgage with a new, larger loan and gives you the difference as cash at closing, turning built-up home equity into money you can actually use. In 2025 Patrick closed a cash-out refinance that pulled $192K of equity for the homeowner.
Do you work with VA buyers?
Yes. Patrick works with military families using the VA loan benefit: zero down and no monthly mortgage insurance. San Antonio has a strong military community, and the VA loan is one he reaches for regularly, especially for first-time buyers who have served.
How do seller concessions lower closing costs?
Seller concessions are credits the seller agrees to pay toward your closing costs and prepaids, which lowers the cash you bring to closing. Here's the example: on a $300,000 purchase, 3% in seller concessions equals $9,000 toward closing costs and prepaids. Patrick negotiates concessions as part of the offer and stays inside program limits (FHA allows up to 6% and most conventional programs up to 3% as guidelines).
These numbers are someone's next chapter. Make it yours.
Every closing on this page started with a first conversation and a seat at the webinar. Yours can too.
Sincerely, Patrick Kevin Fagan, The Mortgage Patriot.