About Ruthchaya 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 33 reviews
5/5

Arianna Steffi Gavio E.

Transaction Completed:
12/20/2024

"Cha assited and guided us through the whole process of the home loan. She provided Excellent service."

San Jose, CA
5/5

James Russell E.

Transaction Completed:
12/17/2024

"Cha made it great"

San Jose, CA
5/5

Naiyana B.

Transaction Completed:
12/4/2024

"Great service!! especially Chacha she is very nice and very helpful :) I will recommend my friend who need loans advisor . thank you NAF and thank you Chacha"

Pittsburg, CA
5/5

Jody S.

Transaction Completed:
11/27/2024

"Chacha was great to work with."

Pittsburg, 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.
Test
Conventional Loan

Down payments as low as 3%. Fewer restrictions than other loans.
Explore More Options

Mortgage Calculators

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

Refinance Calculator

Calculate your new monthly payment after refinancing.

calculate

Mortgage Calculator

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

get payment

How Much House Can I Afford?

Calculate the maximum home price you could afford.

how much

Amortization Calculator

See your payoff schedule with principal and interest payments.

get payoff

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 $7,500 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!

Family playing on the couch together

NAF Cash Can Turn You into a Cash Buyer

Interact with our map to track cash
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.

Get Started Today!
Play Current Video Icon
Video Preview Image
Video Preview Image
Video Preview Image
Video Preview Image
Video Preview Image
Prev Video Navigation Icon
Next Video Navigation Icon

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

1212 Broadway Plaza, suite 2100 Office #45
Walnut Creek, CA 94596
1212 Broadway Plaza, suite 2100 Office #45
Walnut Creek, CA 94596

Direct: 936-362-8954

Email: ruthchaya.t@nafinc.com

Get Directions