Your Home Loan,
Made Simple

Whether you're buying your first home or refinancing, I'll guide you to the best loan — quickly, clearly, and stress-free.

10+ Years Experience
750+ Families Served
150+ Lenders We Shop
Start My 60-Second Home Qualifier →

Takes less than a minute. No credit check required.

Apply Online → 🇺🇸 (949) 434-4162

Today's Mortgage Rates

Conv 30-Yr
6.05%
Conv 15-Yr
5.62%
FHA 30-Yr
5.65%
VA 30-Yr
5.67%
USDA 30-Yr
5.58%
Jumbo 30-Yr
6.29%

Updated: February 19, 2026. Rates are general market ranges. Your actual rate depends on credit score, DTI, LTV, loan program, and current market pricing.

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NMLS #1810817 Licensed Nationwide Equal Housing Lender West Capital Lending, Inc.
Your Path to Homeownership in 60 seconds
Step 1 of 5 Instant Results
What's your target home price?
This helps us find the right loan programs for you
Which best describes you?
This unlocks specialized programs
How much can you put down?
Many programs require less than you think!
Almost there! Let's personalize your results.
So I can send you your custom loan options
🔒 Your info is 100% secure & never sold
Great news! You likely qualify.
Based on your answers, there are several loan programs that could work for you. I'll review your info and reach out within a few hours with personalized options and next steps.
— Fred Chilton, NMLS #1810817
📞 Call Fred Now: (949) 434-4162 Back to Homepage →

How It Works

Three clear steps to your home loan.

1

Take the 60-Second Quiz

Answer a few quick questions about your goals. No credit check required.

2

Get Your Custom Plan

I match you with smart loan options and show you a clear payment breakdown.

3

Close on Your Home

Shop with a strong pre-approval. Most clients close in about 21 to 30 days.

Fred Chilton - Mortgage Broker

Fred Chilton

Licensed Mortgage Broker

NMLS #1810817

ABOUT FRED

A Broker Who Puts
You First

With over 10 years in the mortgage industry, I've helped more than 750 families achieve their homeownership dreams. I believe in transparency, speed, and finding the right loan — not just any loan.

As a broker with West Capital Lending, Inc., I shop between 150+ lenders to find you the best rate and terms. Whether you're buying in Austin, TX or Orange County, CA — more options means better results for you.

CLIENT REVIEWS

What My Clients Say

Real reviews from real clients. Read all reviews on Experience.com →

★★★★★ 4.99 out of 5 stars
★★★★★

"Fred made our first home purchase so easy. He explained everything clearly, found us an amazing rate, and was available whenever we had questions. Highly recommend!"

— Sarah & Mike T.

First-Time Home Buyer, Austin TX

★★★★★

"I've refinanced twice with Fred. Both times he saved me thousands. He's responsive, knowledgeable, and genuinely cares about getting you the best deal."

— David R.

Refinance Client, Irvine CA

★★★★★

"As a veteran, Fred helped me navigate the VA loan process seamlessly. Closed in under 30 days. Best broker I've worked with — bar none."

— James K.

VA Loan, Austin TX

★★★★★

"Fred found us a rate that was 0.5% lower than what our bank offered. The whole process was smooth and transparent. We closed ahead of schedule!"

— Maria & Carlos G.

Home Purchase, Orange County CA

★★★★★

"We were nervous about buying our first investment property. Fred walked us through every step and found financing that made the numbers work. True professional."

— Robert & Lisa P.

Investment Property, Austin TX

★★★★★

"Fred is the real deal. He shopped multiple lenders and got us a jumbo loan rate we couldn't find anywhere else. Communication was excellent throughout."

— Jennifer W.

Jumbo Loan, Irvine CA

★★★★★

"Fred made our first home purchase so easy. He explained everything clearly, found us an amazing rate, and was available whenever we had questions. Highly recommend!"

— Sarah & Mike T.

First-Time Home Buyer, Austin TX

★★★★★

"I've refinanced twice with Fred. Both times he saved me thousands. He's responsive, knowledgeable, and genuinely cares about getting you the best deal."

— David R.

Refinance Client, Irvine CA

★★★★★

"As a veteran, Fred helped me navigate the VA loan process seamlessly. Closed in under 30 days. Best broker I've worked with — bar none."

— James K.

VA Loan, Austin TX

READY TO GET STARTED?

Let's Find Your Perfect Loan

Get a free, no-obligation consultation. I'll review your situation and show you the best options available — whether you're in Austin, Orange County, or anywhere in between.

No obligation. No credit check. Just a conversation about your options.

Today's Rates

Take Our Quick 60-Second Pre-Approval Quiz!