Market-wide options
I compare 150+ lenders so your plan isn’t limited to one institution’s appetite.
Independent mortgage guidance · NMLS #1810817
Mortgage decisions,
made with clarity.
One experienced broker. More than 150 lenders. A strategy built around the life you’re financing, not a bank’s product shelf.
4.99 verified rating
750+ families served
Licensed in 25 states
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.
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
Compare conventional, FHA, VA, and USDA estimates with taxes, insurance, HOA, mortgage insurance, and financed program fees included.
Open the payment calculator →Temporary buydown calculator
Model a 3-2-1, 2-1, or 1-0 buydown year by year, including the monthly payment change and total subsidy required.
Open the buydown calculator →Private mortgage snapshot
Start with the decision.
I’ll build the path.
Answer a few focused questions. No credit pull, no generic prequalification pitch, and no obligation.
- 01 Identify the right financing path
- 02 Model the important numbers
- 03 Get Fred’s personal recommendation
My 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
Speak with Fred →
Verified 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.”
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 Snapshot and I will confirm coverage personally.
Your next move
Bring me the decision.
I’ll bring the options.
Private, practical mortgage guidance without the call-center handoff.