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Chacha, New American Funding

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United States
Pleasanton, CA
Chacha, New American Funding

Ruthchaya 'Chacha' Thitinavakun | Loan Consultant NMLS #1165509
[email protected] | 936.362.8954 I cannot make this happen alone. We as a team can!

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 h

ave 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. Be sure to check out my past clients' reviews! Let's get connected.

07/18/2025

Your dream home shouldn’t have to wait for the perfect market.
With fast pre-approvals and creative loan options, I’m here to serve up the Loan Break Combo that makes real estate feel a little more bite-sized:
🍔 Fast pre-approvals
🥤 Local market know-how
💡 Smart strategies for affordability
Whether you're on your lunch break or finally scrolling listings at 10 pm, I’ve got your back.

📲 Contact me today and let’s find your flavor of financing.

07/16/2025

🚨 If you don’t know what NAF can do for your clients... you’re missing out.
💥 From stronger pre-approvals to creative financing tools like NAF Cash, NAF Homes, and NAF Pathway, NAF helps you write offers that win in this competitive market.
Whether you’re helping first-time buyers, move-up sellers, or investors, we’ve got options, strategy, and speed.

📲 Contact me today and let’s set up a quick chat. I’ll show you how we can help you close more deals with less stress.

07/15/2025

Buying a home is an exciting milestone , and an FHA loan can help bring it within reach. With the right guidance, you can move forward confidently and get closer to unlocking the door to a place of your own. If you’re interested in learning more about an FHA loan, call me today. I’d love to help!

07/11/2025

Your clients don’t need another “pre-qual”—they need a competitive edge.
I help agents and buyers craft smarter offers with real financing solutions that stand out in today’s fast-moving market.

DM me “STRONG” for details on how we can partner.

07/09/2025

The right coffee starts your morning. The right mortgage sets the tone for your homebuying journey.

Are you a no-frills house blend kind of buyer? Or a bold, adventurous shot-taker? Whatever your style, New American Funding is here to help you “order” the mortgage that fits you best.

Let’s get brewing on your home goals today.

07/07/2025

Pathway 100 vs. CalHFA: Which Program Works for YOU? 🤔
Not all down payment assistance programs are created equal—and the right one could be the key to unlocking homeownership sooner than you think.

Here’s how Pathway 100 stacks up against CalHFA across credit score, income limits, property types, and more. 👇

If you’ve been told you don’t qualify for CalHFA, don’t give up—Pathway 100 might be the better fit.

📩 DM me to run the numbers and find the right path for you.
📍Serving NorCal buyers ready to make a move.

07/04/2025

🏡 In the Bay Area fast-moving market, strategy matters.
The right financing partner doesn’t just get your buyers approved—they help you write offers that win.

Let’s work together to make sure your next client comes prepared to compete—with confidence and creativity.

📲 DM me “WINBAYAREA” if you want to chat through your current deals or buyer pipeline.

07/02/2025

Understanding how much you need to borrow, and how much you can put down, starts with knowing your Loan-to-Value (LTV) ratio. So what does LTV mean and why does it matter when you're buying a home? Swipe through to see the breakdown. �

06/27/2025

🔒 No more “what ifs”—just peace of mind.

With NAF Cash, your clients can secure their next home before selling their current one—no double moves, no contingent offers, no fear of missing out.

✅ Buy before you sell
✅ Move on your own timeline
✅ Make non-contingent offers with confidence

🏡 In a market that rewards speed and certainty, NAF Cash gives your buyers the power to move on their terms.

📲 DM me “NAF CASH” to learn how it works and who qualifies.

06/25/2025

Do you know your borrowing power?

Your Debt-to-Income (DTI) ratio is the percentage of your monthly gross income that goes towards paying off debts, including your mortgage or rent, car loans, credit cards, and other debt obligations.

Swipe to see why it matters—and how to calculate yours.

06/24/2025

Empower your clients with a NAF pre-approval that goes beyond the basics.
✅ Stronger, more competitive offers
✅ Faster closings
✅ Confidence that helps buyers move forward

🏡 When your clients are pre-approved through New American Funding, you’re not just writing offers—you’re writing winning ones.

📲 DM me “PREAPPROVED” and let’s give your buyers the edge they need.

Address

Pleasanton, CA

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19363628954

Website

http://lenderchacha.com/

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