Ruthchaya ‘Chacha’ Thitinavakun Photo

Ruthchaya ‘Chacha’ Thitinavakun Loan Consultant

  • NMLS # 1165509
  • 20 Reviews

About Ruthchaya ‘Chacha’ Thitinavakun

My name is Ruthchaya, pronounced as rachea, while most people call me Chacha.  

I'm currently living in San Francisco Bay Area and my local office is in Walnut Creek.

My approach to providing mortgage services to my clients is to listen to what they are looking for, educate, discuss and guide them through out the loan process to home keys.

Many of my clients are self-employed borrowers who tend to have sophisticated profiles; therefore, there will naturally be more detail to work with.  I enjoy the challenges of getting their loan files done as smoothly as possible.

I particularly love working with first time home buyers - helping them navigate the mortgage pre-approval and loan process and providing them step-by-step guidance all the way from the start to the finish line.

My goal is to make the home buying process for each and every client as stress-free as possible.  I cannot make this happen alone.  We as a team can!  Be sure to check out my past clients' reviews!

Let's get connected.

Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect.

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

Pathway to HomeOwnership

Are you Ready?

At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.

What is the Pathway to

Homeownership Initiative?

The Pathway to Homeownership offers qualified borrowers in select areas up to $8,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.

This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Contact me today for more information!

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NAF Cash Can Turn You into a Cash Buyer

Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help you save up to 11% over those using a traditional mortgage.* With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.

*According to a study from researchers at the University of California - San Diego, cash buyers have paid about 11% less than using a mortgage. Reher, Michael and Valkanov, Rossen, The Mortgage-Cash Premium Puzzle (September 24, 2021). Available at SSRN: or

You're In Good Hands!

5/5 Based on 20 reviews


Transaction Completed:

"Super job."

Union City, CA

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Transaction Completed:



Isaura Orozco

Transaction Completed:

"Chacha was one of the best loan officers I've ever worked with. She worked hard and efficient to getting ahead of the game. She always throughly explained everything, making sure we understood and acknowledge what we were signing. I'd highly recommend her as your loan officer."


Babu Khan

Transaction Completed:



New American Funding

Walnut Creek - Mid Pacific

1212 Broadway Plaza, suite 2100
Walnut Creek, CA 94596

Direct: 936-362-8954


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