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 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 guiding 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 together 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


You're In Good Hands!

5/5 Based on 39 reviews
5/5

Amolwan

Transaction Completed:
6/21/2025

"From the very beginning, our loan consultant was responsive, knowledgeable, and truly went above and beyond to help us understand every step of the process. She patiently answered all of our questions, made sure we had all the right documents in place. We are incredibly grateful for the support and guidance our loan consultant provided throughout our home-buying journey. Thank you so much!"

Berkeley, CA
5/5

Anuwat

Transaction Completed:
6/20/2025

"Great loan office in my experience with honest, quick response and transparencies."

Berkeley, CA
5/5

Chayada

Transaction Completed:
5/29/2025

"Cha cha is so amazing! ?? She's polite, works hard, and is super fast! I don't think anyone else could do it like her."

San Jose, CA
5/5

Ian Christopher

Transaction Completed:
5/27/2025

"Chacha is a very kind and hard working person. She always looked out for our best interest and did her due diligence while working on our behalf. She made herself available at any point we needed to ask a question or check in with her. We were so blessed to have her on our team! She is very knowledgeable and friendly. Thank you for everything, Chacha! You are the best! :)"

Sacramento, CA

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

Front Porch
30 Year Fixed Rate Mortgage

Steady monthly payments over a 30 year term.
Gray living room
Cash Out Refinance

Turn your home's equity into cash.
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Conventional Loan

Down payments as low as 3%. Fewer restrictions than other loans.
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Mortgage Calculators

Estimate your monthly payment, see how much house you can afford, and more!

Refinance Calculator

Calculate your new monthly payment after refinancing.

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Mortgage Calculator

Before you buy a house, calculate how much your payments will be.

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How Much House Can I Afford?

Calculate the maximum home price you could afford.

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Amortization Calculator

See your payoff schedule with principal and interest payments.

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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 $6,000 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

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Purchase trends across the country

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.

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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.

EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS

Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

  • Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals

  • Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device

  • Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients

Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

Location

New American Funding

Walnut Creek - Mid Pacific

1777 Botelho Drive, Suite 360
Walnut Creek, CA 94596
1777 Botelho Drive, Suite 360
Walnut Creek, CA 94596

Direct: 936-362-8954

Email: ruthchaya.t@nafinc.com

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