Mortgage Patriot

08/26/2026

How much house can you actually afford on an $80K, $100K or $120K income? 🏡

Your salary is only part of the equation.

Two buyers can make the exact same income and qualify for very different home prices depending on their:

✔️ Monthly debts
✔️ Credit profile
✔️ Interest rate
✔️ Down payment
✔️ Property taxes
✔️ Homeowners insurance
✔️ HOA dues
✔️ Mortgage insurance

The better question is:

“What total monthly housing payment can I realistically afford?”

That is where the real answer starts.

I broke down how lenders look at affordability, why the maximum you qualify for is not always what you should spend, and how to estimate a realistic home price range before you start seriously shopping.

📖 Read the full guide:
https://patrick-fagan.huzi.site/blog/how-much-house-can-you-afford-on-80k-120k-income/

📘 Free 169-Page First-Time Homebuyer Roadmap:
https://patrick-fagan.huzi.site/first-time-homebuyer-roadmap/

If you’re buying in San Antonio, New Braunfels, Bulverde, Spring Branch, Boerne, Schertz, Cibolo, Helotes, Timberwood Park or the Texas Hill Country, local taxes, insurance and HOA costs can significantly change what a home actually costs each month.

Patrick Kevin Fagan | The Mortgage Patriot
Mortgage + Real Estate. On your side.

First comment:
▶️ Watch the full video breakdown:
https://www.youtube.com/watch?v=o-8hqN570Fc

08/24/2026

🏡 First-time homebuyers: don’t let fresh paint and pretty countertops distract you from the things that can actually cost you thousands.

When I’m walking a home with a buyer, there are 6 areas I’m paying close attention to:

🔹 Roof
🔹 Foundation
🔹 HVAC / AC
🔹 Electrical wiring
🔹 Water heater
🔹 Plumbing & sewer lines

These aren’t automatically deal breakers. In fact, finding problems before closing can sometimes give you leverage to negotiate repairs, seller concessions, or a better price.

I even share a real example where a hidden sewer-line issue was estimated around $20,000 and walking away was the smarter move.

If you’re buying in San Antonio, New Braunfels, Bulverde, Spring Branch, Boerne, Schertz, Cibolo, Helotes, Timberwood Park, or the Texas Hill Country, read this before your next home tour.

🎥 Prefer to watch instead? Full video here:
https://www.youtube.com/watch?v=WFazSXPX5gU

📖 Full guide + video:
https://patrick-fagan.huzi.site/blog/6-biggest-concerns-first-time-homebuyers-should-look-for-during-a-home-tour/

📘 Free 169-page First-Time Homebuyer Roadmap:
https://patrick-fagan.huzi.site/first-time-homebuyer-roadmap/

Patrick Kevin Fagan | The Mortgage Patriot
Real Estate + Home Loans
📲 (210) 317-6514

6 Things Every First-Time Homebuyer Should Look for on a Home Tour...

08/19/2026

Mortgage rates matter, but but how you structure the rate can matter just as much. 🏡

A mortgage rate buydown can lower your payment by using discount points, seller concessions, or even builder incentives. But whether it actually saves you money depends on how long you plan to keep the loan.

I broke down:
• Permanent rate buydowns
• 2-1 and 3-2-1 buydowns
• Seller and builder-paid buydowns
• The break-even math
• When paying points makes sense — and when it doesn’t

📖 Full breakdown: https://patrick-fagan.huzi.site/ask-patrick/questions/mortgage-rate-buydown/?utm_source=chatgpt.com

🎥 Prefer to watch? See my video:
https://www.youtube.com/watch?v=eXJAA4Algrw&utm_source=chatgpt.com

Buying in San Antonio or the Texas Hill Country and want me to run the numbers for your situation? Send me a message.

How to Get a 3.99% Mortgage Rate in 2026 (Legally) | Mortgage Buydo...

08/13/2026

Ever heard of a renovation loan? It's the home hack investors use to create equity on day one, and it solves the #1 deal killer in home buying.

In my latest video, I break down exactly how it works:

- You buy a home that needs work
- The purchase price AND renovation costs roll into one FHA loan at 3.5% down
- A contractor fixes it up from an escrow account, you don't touch the money

Real example: A $275K fixer-upper in San Antonio that needs a new roof, wiring, HVAC, flooring, and kitchen upgrades. $50K in renovations. Total loan: $325K. After repairs, the home is worth $350K. That's $25K in instant equity, and you only put down about $11K.

But here's the part most people don't know. When an appraisal flags safety issues like bad roof, faulty wiring, or broken HVAC, the lender REQUIRES someone to fix them before closing. Sellers can't afford it. Buyers don't have $30K lying around. The deal dies.

A renovation loan solves both problems. It builds your equity AND covers the repairs the lender needs. You walk into a home that's already worth more than you paid.

Whether you're a first-time buyer, a military family, or an investor in San Antonio, Bulverde, Spring Branch, Boerne, or the Texas Hill Country, watch this one. It could change how you look at every fixer-upper you see.

Watch the full breakdown: youtube.com/

Patrick Kevin Fagan
The Mortgage Patriot
210-317-6514
themortgagepatriot.com
calendly.com/pkfaganappointmentsetting

https://youtu.be/8lZw0C8iyHg?si=urBeeDbNUZnlN7uv

The Ugly House Hack: Renovation Loans for Instant EquityCan a ren...

07/27/2026

🏌️ 4306 Putting Green | $314,900

Overlooking the first green of Northern Hills Golf Club.
✔️ 2 Bed | 2 Bath | 1,560 SF + Office
✔️ Golf course views
✔️ Expansive deck & hot tub
✔️ Move-in ready

📞 Showings are by appointment only through me: (210) 317-6514. Please call or text first to coordinate due to a toddler and dogs.

Thanks everyone!

07/16/2026

🏌️ COMING SOON | Golf Course Living at Its Finest

💰 Own this home for approximately $2,300/month your first year* (with preferred lender)

🚨 Not on the market until Friday, July 25th. You're getting exclusive early access.

Wake up every morning to unobstructed views of Northern Hills Golf Club. This home doesn't back up near the course—it sits directly on it, overlooking the green and bunker from one of the best patios you'll find in San Antonio.

🏡 2 Bedrooms
🛁 2 Full Bathrooms
💼 Dedicated Office

Why you'll love it:

✅ Incredible covered patio built for entertaining
♨️ Hot tub INCLUDED with the home
⛳ Panoramic golf course views
🌳 Mature oak trees & professionally landscaped yard
🧱 Beautiful interior brick accents
🖥️ Dedicated home office with a view
🔒 Wrought iron fenced backyard
✨ Unique floor plan—not another cookie-cutter house

Even better? Northern Hills Golf Club recently completed a major renovation, including rebuilt tee boxes and new cart paths across all 18 holes.

📍78217 — Minutes from Loop 410, Wurzbach Pkwy, McAllister Park, shopping, dining, and San Antonio International Airport.

🔥 Homes with views like this rarely become available.

📩 Message me for the exact address, additional photos, or to schedule a private showing before it officially hits the market.

As a dual-licensed REALTOR® & Senior Loan Officer, I can pre-approve you and help you purchase the home—all in one call.

Patrick Fagan
REALTOR® | Senior Loan Officer | NMLS #877741
The Mortgage Patriot
📱 (210) 317-6514 (Call or Text)

*Estimated payment assumes a 4.99% first-year interest rate via lender-paid temporary buydown, 700+ FICO, 3.5% down FHA financing, owner-occupied homestead property taxes, homeowners insurance of $2,200/year or less, and an APR of 5.375%, based on rates available as of 7/13/2026. Payment is an estimate only and subject to borrower qualification, lender approval, taxes, insurance, and rate changes.

05/12/2026

💥 This is one of the most powerful first-time homebuyer strategies available in Texas right now.

🎥 Watch here:
https://youtu.be/O4Er9p3blW8?si=JjJFLc1QGh34XAFf

🚨 In this video, I break down what I believe is the BEST Down Payment Assistance Program in Texas for 2026, and how to combine it with a powerful tax rebate strategy to dramatically lower your cash to close.

✅ Here’s what you’ll learn:
1️⃣ Texas program changing first-time homebuying
2️⃣ Lower cash-to-close than expected
3️⃣ Easier qualification than most DPA programs
4️⃣ How buyers qualify for more
5️⃣ Hidden tax rebate strategy explained
6️⃣ Real $300k homebuyer breakdown
7️⃣ Negotiation strategy saving buyers thousands

📅 Want help building your game plan? Schedule your free call:
calendly.com/pkfaganappointmentsetting

🎥 Watch here:
https://youtu.be/O4Er9p3blW8?si=JjJFLc1QGh34XAFf

Kevin Fagan
Mortgage Patriot | Licensed Loan Officer & Real Estate Agent

05/01/2026

First-time buyers are doing this wrong, and it’s costing them thousands!

In this FREE live webinar, I’m walking you through the exact strategies my clients are using right now to:

• Get into homes with far less cash to close
• Take advantage of Texas down payment assistance programs
• Negotiate better terms, lower payments, and seller credits
• Choose the right loan (not just the obvious one)
• Follow a step-by-step game plan so you don’t make costly mistakes

This isn’t generic advice… this is exactly what’s working in today’s market here in San Antonio and the Hill Country.

If you’ve been thinking:
“Can I actually afford this?”
“Am I missing something?”
“Where do I even start?”

This is for you.

Spots are limited for the live training.
👉 Register here: https://webinar.themortgagepatriot.com/

Or DM me “WEBINAR” and I’ll send you the link

Patrick Kevin Fagan
NEXA Mortgage
AXEN Realty
LIC 454749
NMLS 877741

FAIR TRADE HOUSING

04/20/2026

One habit successful buyers share is consistent market awareness.

They watch listings regularly.
They track how long homes stay available.
They notice pricing patterns.

This awareness helps buyers recognize opportunity faster and avoid overpaying.

Consistency often leads to better decisions.

If you are planning to buy soon and want help tracking homes in your target area, send me a message.

04/18/2026

A home doesn’t exist in isolation.

The street.
The nearby parks.
The morning commute.

You’re not just buying a house.
You’re buying the rhythm of everything around it.

Location shapes daily life more than people expect.