Market-wide options
I compare 150+ lenders so your options aren’t limited to one institution’s appetite.
Independent mortgage guidance · NMLS #1810817
Mortgage decisions,
made with clarity.
One broker compares 150+ lenders and gives you a written Mortgage Decision Brief—full payment, cash to close, tradeoffs, and one clear recommendation—then stays personally accountable through closing.
No credit pull. No obligation. Your numbers are reviewed personally by Fred.
Reviewed personally by Fred.Your snapshot goes directly to Fred—not a call center.
The difference
A mortgage is a financial decision.
Treat it like one.
You deserve more than a rate quote. I model the full tradeoff—payment, cash, flexibility, timeline, and risk—then make the next step easy to understand.
Strategy before paperwork
See useful numbers and tradeoffs before you’re asked to complete a full application.
Direct accountability
You work with me from first conversation through closing—without a call-center handoff.
A real planning deliverable
Your Mortgage Decision Brief
Your Private Mortgage Snapshot gives Fred the inputs. The Decision Brief is the useful output: a side-by-side view of the numbers, the tradeoffs, and the next move he recommends.
Break-evenAbout 40 months
Option B uses $6,800 more upfront to save about $170 per month.
Fred’s recommendation
Illustrative example only—not a rate quote, Loan Estimate, approval, or commitment to lend.
Choose Option B if you expect to keep the loan beyond 40 months and $55,800 still clears your reserve target. Otherwise, Option A protects more liquidity.
Calculators built for real conversations
Run the same first-pass math
I use at the whiteboard.
No email gate. No manufactured “rate.” Change the assumptions yourself, then bring me the result you want priced.
Mortgage payment calculator
Get principal and interest immediately, then add taxes, insurance, HOA, mortgage insurance, or program fees only when you want them included.
Open the payment calculator →Temporary buydown calculator
Model a Conventional, FHA, VA, or USDA 3-2-1, 2-1, or 1-0 buydown with automatic program fees, mortgage insurance, payments, and subsidy.
Open the buydown calculator →Loan comparison calculator
Put two fixed-rate loans side by side. See the principal-and-interest difference, lifetime interest, payoff timing, and simple break-even on entered upfront costs.
Open the comparison calculator →Private Mortgage Snapshot
Get the tradeoffs,
not just a rate.
In about two minutes, share the decision you are working through. Fred will use your Private Mortgage Snapshot to prepare a Mortgage Decision Brief comparing payment, cash to close, flexibility, and the most useful next step. No credit pull and no obligation.
- 01 Identify the right financing path
- 02 Model the important numbers
- 03 Receive Fred’s Mortgage Decision Brief
Private Mortgage Snapshot
Step 1 of 3
Financing, shaped around the move
The instrument changes.
The strategy stays personal.
Purchase
First home, next home, relocation, or jumbo financing. I model the payment and cash tradeoffs clearly.
Refinance
Rate, term, cash flow, debt consolidation, and break-even analysis before you spend money to move a loan.
Investment
Conventional, DSCR, bank-statement, and portfolio strategies for people building long-term real-estate wealth.
Home equity
HELOC and cash-out options framed around the actual use of funds, not merely the maximum amount available.
Fred ChiltonNMLS #1810817
Direct from Fred
Experience you can
actually reach.
I’ve spent more than a decade helping over 750 families buy, refinance, and invest in real estate.
As a broker and Branch Manager with West Capital Lending, I can compare the market instead of forcing your situation into one bank’s box. My job is to give you a clear recommendation, stay easy to reach, and keep the file moving.
10+ years150+ lenders25 states
Local mortgage guidance
Deep local context.
Market-wide options.
Fred serves clients across 25 licensed states, with a hands-on focus in the two markets he knows most closely.
Austin, Texas
Plan around taxes, offers, and a fast-moving market.
Purchase, relocation, refinance, and investment guidance for Central Texas.
Explore Austin mortgage guidance → Orange County, CaliforniaStructure higher-cost and more complex scenarios clearly.
Conforming, high-balance, jumbo, self-employed, and investment-property strategy.
Explore Orange County guidance →Client experiences
Trusted when the
details matter.
“Fred came in and got me closed and funded in a week. Definitely recommend Fred!”
“He was very knowledgeable about the process and walked us through every step.”
“Fred was quick to respond, and he provided very competitive rates. Very satisfied.”
Watch Fred explain it
Strategy you can see.
Numbers you can use.
Start with the question you are already asking, then bring your exact scenario into the matching calculator or Private Mortgage Snapshot.
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▶Before we talk
Straight answers to
common questions.
These are general starting points. Your income, property, credit, timing, and loan program determine the actual answer.
How much do I need for a down payment?
Qualified buyers may have options from 0% down for VA or USDA to 3% conventional and 3.5% FHA. The right amount also depends on reserves, seller credits, payment comfort, and the value of keeping cash available.
Will reviewing my options hurt my credit?
Not at the beginning. We can discuss goals and model useful numbers before a full application. If credit is needed, I will explain whether the next step is a soft or hard inquiry before it happens.
Why use a mortgage broker instead of one bank?
I can compare more than 150 lenders rather than forcing the file into one institution’s pricing and guidelines. The value is not simply finding a rate. It is matching the loan structure and lender to the actual scenario.
Do you only work in Texas?
No. I am licensed in 25 states, with a service focus in Austin, Texas and Orange County, California. Send the property state in your Private Mortgage Snapshot and I will confirm coverage personally.
Your next move
Bring me the decision.
I’ll bring the options.
Start with a Private Mortgage Snapshot. Fred will turn it into a clear Mortgage Decision Brief.