Chacha, New American Funding

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.

Skip the big down payment — keep your piggy bank intact.With the NAF Pathway National Program, you could buy a home with...
07/28/2025

Skip the big down payment — keep your piggy bank intact.
With the NAF Pathway National Program, you could buy a home with 100% financing and zero down.

✅ Up to 1% toward closing costs
✅ First-time homebuyers only
✅ More money for the fun stuff (like tacos or furniture)

Let’s make homeownership happen — without breaking the bank.

Think you know your local housing market? 🧠Spoiler alert: It’s not about having all the answers—it’s about having the ri...
07/25/2025

Think you know your local housing market? 🧠
Spoiler alert: It’s not about having all the answers—it’s about having the right team.

Buying your first (or next) home takes:
🎯 Strategy
📍 Local insight
💬 A loan plan that works harder than the Zestimate™

Let’s figure out your smartest move—no pop quiz required.
📲 Contact me to get started.

🎶 Ready to find your perfect mortgage match?Just like every great playlist, the best financing is all about the right mi...
07/23/2025

🎶 Ready to find your perfect mortgage match?

Just like every great playlist, the best financing is all about the right mix. Whether you're buying your first home or your next one, I’ve got options that hit your goals just right.

🎤 Featured hits:
✅ 2-1 Buydowns
✅ First-time buyer help
✅ Flexible loan programs
✅ Local insight + hands-on support

📲 DM me “MATCH” and I’ll help you build the perfect loan lineup.

07/22/2025

💸 Need cash fast? A Home Equity Line of Credit (HELOC) might be the answer — and I can help you get it done quickly!

🏠 Use it for anything you need:
• Down payment on a new home
• Starting or growing a business
• Paying off high-interest credit cards
• Or just having peace of mind

✨ Here’s why it’s so easy:
✅ Funds in as fast as 5 days
✅ Takes just 5 minutes to apply
✅ No fees to apply
✅ Soft credit pull only (won’t affect your score)
✅ No appraisal needed if under $400K
✅ Works for primary, second, or investment properties
🌎 Available in many states nationwide!

🎉 BONUS POINT:
If you’re using a New American Funding loan to buy a home, the HELOC payment won’t even count in your loan file!*
(*Restrictions apply)

👉 Apply now at www.QuickestHELOC.com
Why not just check what you qualify for? No pressure, just options 🙌

Get a Home Equity Line of Credit Fast - Approval in 5 minutes, Funding in as few as 5 days

Your dream home shouldn’t have to wait for the perfect market.With fast pre-approvals and creative loan options, I’m her...
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.

Buying a home is an exciting milestone , and an FHA loan can help bring it within reach. With the right guidance, you ca...
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!

Your clients don’t need another “pre-qual”—they need a competitive edge.I help agents and buyers craft smarter offers wi...
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.

The right coffee starts your morning. The right mortgage sets the tone for your homebuying journey.Are you a no-frills h...
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.

Pathway 100 vs. CalHFA: Which Program Works for YOU? 🤔Not all down payment assistance programs are created equal—and the...
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.

🏡 In the Bay Area fast-moving market, strategy matters.The right financing partner doesn’t just get your buyers approved...
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.

Understanding how much you need to borrow, and how much you can put down, starts with knowing your Loan-to-Value (LTV) r...
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. �

Address

Pleasanton, CA

Opening Hours

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

Telephone

+19363628954

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