What others say!

This is my favorite page on my web site! You know folks….people often ask me why I concentrate on helping Veterans and Active Military people? To them I say “this is a very small way I can say thank you to them for serving our country”, by helping them utilize their benefits for the purchase of a home.
So take a moment, read some of the notes we have received, and you will see what motivates me.



Hello, I want to first thank you so much for everything and I mean everything! I am getting settled into the new house and and it has been great!

I could go on for hours about the wonderful service I received from you and your team, but I know we don’t have that much time so I will be brief…

“Being a first time home buyer, I must say I was nervous, due to hearing the process can be very stressful…..that was not my case….from the moment I met my Realtor…Crystal Wyrick and she told me about Pat Fitzgerald, I immediately knew you were the team for me…..your knowledge, expertise, and personal attention, allowed us to find our home, and close in a very short time. I wish to say to the Fitzgerald Team “Outstanding”!

Your service has definitely made an impact and I have been referring you to anyone who is a veteran and thinking about buying a home, I wish you and your team continued success!

Sincerely, Candance


Now that we have internet hooked up at the new house, I’d like to take a moment to thank you and your team for a relatively quick and painless mortgage experience. Your team was absolutely fantastic, and enabled Lisa and I to move into our dream property. We’re still getting things settled in, but we’re planning to have a house-warming bbq on the afternoon of 28 May. You and your wife are more than welcome.

Ken & Lisa H.


“Pat and his staff were there for us right from the beginning and every step of the way. We are repeat customers. The process went so smoothly with the first financing we did through the Fitzgerald Team, we used them again with our most recent home purchase. Thank you Pat and the Fitzgerald Team!”
Melissa G.


Pat and his team worked so fast and everything was accurate. We never had to ask for anything, it was already provided before we even knew to ask for it. Everyone was so courteous and friendly. This is the absolute perfect team to get a loan from for us.

Bryant & Donna P.



I wanted to take a moment to thank you and your team, for a job well done in assisting my family obtain our Texas Vet Lone. As a Real Estate Broker of 30+ years I have many relations with local lenders.

It was your past success and current reputation that made us comfortable our decision to finance with you.

My decision turned out to be a good one! You and your team have been extremely proficient and at the same time a joy to work with.

Thank you for helping us get our new home!




Thank you so much! I will recommend you to every single person that I know that is moving to or being stationed in Texas.

Please post this on your review page because I’d like others to read this about you and your team.

To all prospective buyers out there reading this: Pat is both 1) the smartest person on VA/Texas VLB loans out there; and 2) the best at customer service.

When I was on the phone with the Texas Veterans Land Board, I told them what Pat told me and they said, “Well, if Pat Fitzgerald said it, it must be true. He is the most knowledgeable person in Texas on the process.” Now that is comforting to hear!

You can call him anytime. Seriously. I’ve done it! He is extremely kind and very patient while explaining things to you. Sometimes you can feel a little overwhelmed with the process, verbiage, etc., but he is there to help you understand and is glad to do so.

I can’t recommend him enough for anyone out there. Military, Veteran or Civilian. Thanks for all of your hard work Pat! You and your team are amazing.


MAJ Sean G. & Family


Pat and Kristin,

My wife and I wanted to say Thank You for everything. Like most retired Vets starting a new career we did not think we could qualify to purchase a new home. After speaking with Pat and being informed we were qualified, the process was painless with minimal stress and most of all hassle free. Thank you both again for your support to all the Vets, dedication to making dreams come true and professionalism. We will definitely refer any Vet to you.


Mike and Maria


I just want to say that this was a very pleasurable and stress free experience for me. Pat, you and Kristin are the best and yes I will most assuredly refer you to everyone that needs your services. Thanks again for all your hard work in making this happen for me and my family.

Michael N.


Pat…thank you
I don’t know how to express what I think and feel about Pat Fitzgerald because of all the good he has done for me.

He was able to restore my VA home loan accessibility in a couple of days. No one has EVER tried to help me correct an injustice done me when I made my first VA Home Loan. It had always been a thorn in my heart because I had worked Sooo hard to get it but in the end was burned badly. Over thirty years of trying to get the injustice corrected to no avail, Pat jumped on it and Bam. It was done.

I will as long as I live, remember Pat telling me to go find myself a home. Thirty years and finally one man heard me and reached out to help me. Thank you Mr. Pat Fitzgerald. I am trying to find the typewriter keys through my joyful tears as I am writing this.

He made himself available to me every time I called him. He even took my calls when he was ill and home sick. He answered any questions I had along the way and he smoothed every bump put in my way. I cannot say enough good about him or his wife who came to my rescue and though I have never met either of them face to face I can tell you I will always have a lifetime of gratitude for them offering their professional skills to benefit me. Every time I put my key in my door I will be acknowledging that they cared enough to help me get that key.

Trust no other person you will work with on purchasing your home like you will trust Pat. Many people tried to sway me to their local lenders but be smart and stick with the only person that puts honesty before the Dollar and the person is PATRICK FITZGERALD. If he can make home buying a reality for me, he will do it for you too. I am a service connected disabled Air Force veteran and I would not recommend anyone to you under a false pretense. I encourage you to offer your honesty and then allow Pat to help you get a home.




As we start our transition to our new house I’ve been thinking about the many steps in the process that got us here. An exceptionally smooth part was working with all of your team members. At every point in the complex process of applying for, securing and then closing the loan I had the feeling that I was dealing with experienced and knowledgeable professionals.

I would like to specifically mention the expert performance of Kristin Malarcher, Kristian Tiver and Shellie Clay. At every turn they were prepared , organized and consistently cheerful and friendly. It was a pleasure dealing with them all.

Once again, thanks for your help and thanks for putting together such a great team. It truly was a pleasure.

Tom C., Lt Col USAF Ret.



Mere words cannot express the gratitude I have for you and your staff!!! After dealing with another “Big Name” mortgage company for over two months with absolutely no results, your AMAZING team not only closed the loan but beat the deadline by a full week!! I have to say when your ad said “call me anytime”, I was skeptical BUT I did just that, and called you on a Saturday morning at 7:54 am. You answered your phone and rest is history. We love our DREAM home. Stephanie is truly an ANGEL on earth!!!! She was so patient with all my many worried phone calls; she talked to me each and every time. Without her I don’t think I would have made it through this process!! I truly mean that!!

If you are a Veteran or Texas Veteran you are a FOOL if you don’t call Pat and Stephanie!! Don’t waste your time with ANY other lender.

P.S. Thanks to MSG (Ret.) Jody B. for recommending Pat. As always a top NCO knows his stuff!!

With all sincerity,

Maj. Timothy G.


Pat, you have made my lifelong dream of owning a place in the country come true! You, Kristin, Kimberly and Shellie worked so diligently to help obtain paperwork and eventually get approval of my loan. The process was fast-paced and I would recommend your services to anyone, especially veterans.

Your personal commitment and dedication to helping veterans shows through, beginning with simple acts. For example, when I first arrived in your office, you offered me a bottle of water because it was so hot outside. The range of your service continued when you went the extra mile to assure that every possibility of obtaining that particular property had been exhausted.

My wife, Sylvia, and I will always hold a place for you in our hearts. Our place in the country can be your R&R when you so desire!

Thank you so very much and God bless.
David & Sylvia E.


“My family Tammy, Breeanna, and Gabrielle Rodriguez would like to extend our deepest thanks to Mr. Pat Fitzgerald for helping us find our dream home. Mr. Fitzgerald’s work ethic and customer satisfaction is second to none.

I am a member of the United States Air Force moving here from Florida and had to do most of the work long distance. Pat worked extremely hard on our behalf in finding us the best deal for what we were looking for. He not only recommended the best realtor which by the way was excellent but he ensured that we stayed within our budget. We are very fortunate to have worked with Mr. Fitzgerald and recommend his service to anyone looking for a lending officer specially the military community. Thanks again Pat for making our move to this great city of San Antonio that much enjoyable.”


MSgt Guadalupe R. & Family


I meant to send this to you sooner, but we just want to say THANK YOU, THANK YOU, THANK YOU! You managed to complete in less than three weeks what our previous lender couldn’t do in four and a half months, and for that we will be forever grateful.

You, Kristin and Kimberly – and anyone else who had a hand in making this go so smoothly and quickly, did an awesome, efficient job. Like I said in my voice message left a few days ago, you have yourself an awesome team – no wonder things went so well. We have been telling everyone about your office and your staff and how well things went – hopefully we’ll be able to send a few more your way. Thank you again!!

Wendy & Mark I., Waxahachie, TX


Hey Pat, thanks again for everything that you have done for me, you are a great American and we Vets appreciate YOU for what you do for us everyday!

v/r, Marlon T., US Army Ret.


I want to thank you and your team for making this experience easier than I could have ever imagined. As a first time home buyer my fears were completely eradicated by the immediate comfort I felt with your company and the simplicity of a very intimidating process.

I have already referred my friends and coworkers to you, and will continue to with complete confidence that their experience will be equal to mine. Thank you again! A very satisfied (and relieved!) customer….



Hello Pat,
I just wanted to say that “Not often does one who holds a # 1 title deliver as advertised, you are the real deal and every veteran should know about your tremendous service. Take care Pat.

David J., Retired SMSgt.


Dear Pat,

My family and I wish to thank you and all of your staff for your endeavors. It has been twice now that you have come through for us. I must say that you made our first home buying experience seem so easy, and that my friend….is why I sought you out the second time.

You are truly dedicated to making loans for Veterans. Your knowledge as well as the manor in which you carry yourself puts the home buyer at ease. Once again, thank you sir for making this second home buying experience pleasant and so stress free. You have my respect and deep appreciation.

Bobby D Y. & Family


Pat & Kristin,

Good Morning! My wife and I would like to express our abundant appreciation for your continued professionalism and due diligence in the manner in which the two of you carried out the extensive process in assisting us in acquiring our new home. The two of you have been nothing less than impeccable in the manner in which you have conducted yourselves in providing expert customer service and advice.

The purchase of this home comes at an important time in our lives as the two of us have just completed 20 years of honorable service to our beloved country in the U.S. Army. As we transition, this home will serve as an important platform of stability with our family. My wife and I thank you both for your service in assisting us in acquiring a small portion of the great American dream in that of home ownership. May God richly bless the two of you.

Maurice & Angela B.


When my wife and I decided to move to a larger home, we were presented with many financing options. I wanted to use my Texas Veteran benefits, but was assured by the first finance company that this would take an extended length of time and their rates on a conventional mortgage were just as competitive.

I looked on the internet and came across Patrick Fitzgerald’s website www.texas-vet-loans.com

I submitted my name and number and expected a call or letter in a day or so. Much to my surprise Pat called me within a couple of hours. From that point on, the least frustrating and easiest part of my home buying experience was dealing with Pat. Pat gave me his cell phone and told me to call at any time with any questions.

The Sunday afternoon that we made an offer on our house I did just that, we needed our realtor to talk with Pat to tie down some contract details. He was more than obliging and everything went off smoothly.

Dealing with Pat seemed more like working with a long time friend than a mortgage institution several hundred miles away. I would recommend anyone to talk with Pat for a home buying experience with a lot less stress.

Danny F.
Grand Prairie, TX


After my first business dealings with Patrick, I knew he was not an ordinary loan officer. Very shortly, I realized he was a cut above the rest. His ability to communicate and relate so personally with his clients and agents makes him such an asset in the financial arena.

Patrick’s hard work and strong dedication have placed him at the top in his field. I believe any agent seeking a qualified, knowledgeable, and most importantly a caring loan officer would be doing an unjust to his clients for not sharing Patrick’s name. In short, I consider him a leader in the business with a proactive, take charge attitude and spark of enthusiasm you don’t find anymore.

Craig O., Broker
Keller Williams Realty
San Antonio, TX


Working with Pat is a pleasure, as he keeps both your client and you informed. All my clients that have worked with him have rave reviews!

What more could you ask for? He is a dedicated, knowledgeable and professional loan officer.

Missy S.
2003 Sabor “Realtor of the Year”
Coldwell Banker D’Ann Harper Realtors
San Antonio, Texas