About Fred
A broker who puts you first
Licensed Mortgage Broker & Branch Manager at West Capital Lending, Inc. · NMLS #1810817
I got into mortgages because the right guidance can change the way a family experiences one of life's biggest decisions. My job is to make the process feel straightforward, keep you informed, and be easy to reach from the first question to closing day.
Over the past decade, I've helped more than 750 families, including first-time buyers, growing families, veterans, investors, and people who had been told no somewhere else.
I'm a broker and Branch Manager with West Capital Lending, Inc.. That means I can shop 150+ lenders instead of handing you one bank's rate sheet. I'll explain the tradeoffs clearly, answer the phone, and keep the file moving without the sales pressure.
I'm licensed in 25 states, including Texas and California. If you're thinking about buying, refinancing, or using your equity, reach out. We'll talk through the numbers and see what makes sense.
Trusted for the moments that matter.
“Fred was awesome to work with! I was working with another lender that had me stuck in a HELOC situation that wasn't going anywhere for 4+ weeks… Fred came in and got me closed and funded in a week!! Definitely recommend Fred!”
“Working with Fred was a great experience! He was very knowledgeable about the process, and walked us through every step. He answered all our questions with accuracy and confidence. Will recommend him to my friends… thank you Fred!!”
“Fred has been very supportive and accommodating with all the queries I had. He puts in a lot of effort in getting us the best quote possible. It has been a great experience working with him. I highly recommend working with Fred Chilton.”
“Fred was quick to respond to any questions we had, and he provided very competitive rates. Very satisfied with the outcome!”
“They were helpful throughout — even on weekends, and when I forgot the time difference.”
Bring me the decision. I’ll bring the options.
Start with a private mortgage snapshot or call Fred directly. No call-center handoff, no obligation, and no credit pull just to understand the path.