ABOUT FRED
Meet Your Mortgage Broker
10+ years of experience. 750+ families served. One mission: finding you the perfect loan.
10+ years of experience. 750+ families served. One mission: finding you the perfect loan.

Fred Chilton
NMLS 1810817 | DRE 02228674
I got into the mortgage industry because I saw too many people getting pushed into loans that weren’t right for them. I knew there had to be a better way — and that’s exactly what I set out to build.
With over 10 years of experience, I’ve helped more than 750 families navigate the home financing process. From first-time buyers nervous about their first big purchase to seasoned investors building their portfolio, I treat every client’s situation like it’s my own.
As a licensed broker with West Capital Lending, Inc., I have access to a vast network of lenders competing for your business. This means I can shop rates across multiple sources to find you the best deal — something a single-bank loan officer simply can’t do.
No hidden fees, no surprises. I explain every detail of your loan so you always know exactly what you're getting.
I respond quickly and keep you updated at every step. You'll never be left wondering where things stand.
I shop multiple lenders to find you the best rate and terms. My goal is saving you money, period.
Fred Chilton
NMLS 1810817 | DRE 02228674
West Capital Lending, Inc.
NMLS 1566096 | DRE 02022356
17911 Von Karman Ave, Suite 400, Irvine, CA
Ready to get started? Reach out for a free, no-obligation consultation.