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 →A place you love. A payment that makes sense. I’ll help you see your options—and find the fit for your life.
Start my 2-minute snapshot
Fred ChiltonYour mortgage broker. Personally.A little less uncertainty. A lot more possibility.
A good mortgage should
make room for your life.
The right choice starts with understanding what matters to you. We’ll look at the payment, the cash you keep, and the tradeoffs—so you can move forward with a clearer plan.
Meet your mortgage broker10+years helping people make their move
150+lenders to compare for your situation
750+families helped along the way
The Mortgage Decision Brief
See the numbers.
Understand
the choice.
Your Mortgage Decision Brief puts the options side by side. You see the numbers, the tradeoffs, and my recommendation.
Start with your snapshot Already have a Loan Estimate?FRED CHILTON
MORTGAGE DECISION BRIEF
Illustrative sampleMORTGAGE DECISION BRIEF
Purchase decisionOne move. Two possibilities.
A little more cash today, or a little less each month. Compare both.
Break-evenAbout 40 months
Option B uses $6,800 more upfront to save about $170 per month.
Fred’s recommendationChoose 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 cash.
Illustrative example only—not a rate quote, Loan Estimate, approval, or commitment to lend.
Fred ChiltonNMLS #1810817
A real person in your corner
Here for the numbers.
And the person
behind them.
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
FREE GUIDES BY FRED
Before the offer.
Before the big decision.
A practical starting point for your first home or first rental. Know what to budget, what to compare, and what to ask.
Explore the free guides
Try the numbers for yourself
Explore what’s possible.
Then talk it through.
No email gate. No manufactured “rate.” Change the assumptions yourself, then bring me the result you want priced.
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 →Close to home
Two places I know.
One personal approach.
Guidance across 25 licensed states, with a personal connection to Austin and Orange County.
Client experiences
Good guidance.
In their words.
Client review“Fred came in and got me closed and funded in a week!! Definitely recommend Fred!”
Mehak K.★★★★★
Read on Google 
Client review“Everything went great!! Fred and Deanna were incredibly helpful! They both kept me informed at every step, grateful for all the help 😊”
Ann B.★★★★★
View on Experience.com Client review“He was very knowledgeable about the process, and walked us through every step.”
Mike B.★★★★★
Read on Google Client review“Fred was quick to respond to any questions we had, and he provided very competitive rates. Very satisfied with the outcome!”
Jon L.★★★★★
Read on Google Selected client reviews. Some are excerpted; each links to its source. Individual experiences vary.
Explore all reviewsPrivate Mortgage Snapshot
Let’s make your
next move clearer.
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
Your next move
A home to imagine.
A plan to make it yours.
Start with a Private Mortgage Snapshot. Fred will turn it into a clear Mortgage Decision Brief.