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Chacha, New American Funding

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United States
Walnut Creek, 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.

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.

06/20/2025

🌿 Buying Your First Home? Don’t Sleep on These Eco-Incentives
If you’re a first-time buyer in NorCal, there’s more help out there than you might think. New programs are popping up that reward sustainable choices—think solar-ready homes, EV charging, smart tech, and energy efficiency upgrades.
Some benefits include:
🔋 Lower interest rates for energy-efficient homes
💰 Special down payment assistance tied to green improvements
📱 Financing options for smart-home features
🏡 Bonus incentives from local utility companies

These aren’t one-size-fits-all, and they don’t get plastered all over Zillow—so working with a Loan Officer (like me 👋) who stays plugged into the market can make a real difference.
Contact me and I’ll send you a quick breakdown of what’s available in your area.

06/19/2025

Juneteenth is a day to celebrate liberation and reflect on our nation's past. NAF honors the resilience and achievements of the Black community, and while we've made great progress, there's still plenty of work to do to end racial discrimination, especially in housing.

06/18/2025

In this market, the best agents aren’t just showing homes—they’re giving solutions.
As a Loan Officer with New American Funding, I partner with agents to help tackle the big challenges buyers are facing right now:
🔑 Navigating contingency concerns
💵 Structuring creative offers that get noticed
📉 Leveraging buydowns to save money
💬 Providing clear, confident financing guidance your clients can trust

Let’s team up and provide your clients with unique solutions to make buying in today’s market a breeze.
✅ Real-time home loan strategy support
✅ Fast pre-approvals with local insights
✅ Marketing collabs that gets traction

06/15/2025

Fathers Day (June 15)

Today and every day, we celebrate you - the coaches, the mentors, and the role models. Happy to all the amazing dads out there!

06/13/2025

💸 Heard of a 2-1 buydown? It’s a smart way to lower your mortgage rate temporarily—and in today’s market, many sellers are helping cover the cost!

Here’s how it works:
👉 Lower monthly payments in Year 1 & 2
👉 More breathing room in your budget
👉 Easier transition into homeownership

Use the savings for:
🛠️ Upgrades or fixes
🛋️ New furniture
💵 Boosting your emergency fund

📲 Want to know if a 2-1 buydown aligns with your budget and goals? Let’s chat!

06/11/2025

🏡 What if your sellers could buy before they list?

What is the biggest thing holding sellers back right now? Fear of being stuck between homes. But there are real solutions available—like NAF Cash, bridge financing, HELOCs, and other buy-before-you-sell programs that give them options and leverage.

Whether your clients need to write a non-contingent offer or access equity before listing, I can help them move without the chaos.

06/06/2025

💰Did you know? Nearly half of U.S. home sellers offered concessions to buyers in Q1 2025, one of the highest rates on record.

From covering closing costs to funding repairs, sellers are sweetening the deal to close in today’s market. 🏡📉

06/04/2025

Stop scrolling rental listings you can’t afford. Let’s talk about what you can own.”
Think you need 20% down to buy a home? Think again.
There are loan options designed to meet you where you are — not the other way around.
📲 Let’s connect and see what’s possible.

Address

1212 Broadway Plaza, Ste 2100
Walnut Creek, CA
94596

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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