Ruthchaya 'Chacha' Thitinavakun, Your local trusted lender (Commerce Home Mortgage) Mortgage and Lending



Ruthchaya 'Chacha' Thitinavakun
Your local trusted lender
location_on Pleasant Hill, CA — Commerce Home Mortgage
Get to Know Ruthchaya 'Chacha' Thitinavakun
Norman G
“Chacha was quick and efficient handling my refinancing needs. She answered all my questions in a very clear manner and kept me informed during the whole process. I will highly recommend her to my friends and client as she is great to work with. Thank you so much Chacha!”
U. del Castillo
This letter of recommendation is to inform you that the loan officer, Ruthchaya, “Cha Cha” who handled my home refinancing did a very outstanding job in processing and completing the necessary documents to have my wife and me signed the necessary documents in a very acceptable and timely manner. During the process of putting all needed documents together, she informed us of what we have to do and what documents were needed for us to submit. She keep in touch with us through text, email messages and telephone calls, which was truly appreciated. She was with us through all the processing days and till the time of the final signing of the documents. Her thoughtfulness and resourcefulness is beyond reproach and really appreciated by me and my wife. Again we are both thanking her and your company for the help rendered to us. Respectfully yours
Balakrishnan V
“Chacha is extremely knowledgeable and professional and provided excellent service from start to the completion of loan processing. At times when I was not clear Chacha explained me in detail until I understand it completely. Chacha provided a quick response for all my questions and did a thorough analysis to ensure my loan process was completed on time without any delay. I will be very happy to recommend Chacha to my friends. Its a great experience to work with Chacha and the whole loan processing went very smooth and completed on time.”
A Yan
"ChaCha was very efficient and helpful throughout the whole process to help us obtain our conventional loan. She is professional, easy to work with, on top of everything, and always answer all our questions patiently. I have already referred her to my other friends who are looking into purchasing a house. We couldn't ask for more. Thank you ChaCha! PS: We only wish that there would be more than 5 stars, because we would’ve put 100 stars!”
Mary Ann Z
“Thank you so very much for all of your help in securing our loan for our new home here in Hayward. Chacha was organized & thorough & professional, as well as kind which made all of the difference in our interactions with her. Thank you for your patience as well as treating us as persons rather than just home loan customers.”
Roxanne W
“Your team exceed my expectations by simply accepting my application after I had left.”
Raj C
“Chacha didn’t have to be present for the final signing with Title Company’s Notary but she went above and beyond and helped us understand all the tricky parts in person.”
Anna May
“We refer our Buyer Clients to Ruthchaya because she makes us look good. We take representation of our Clients seriously and we must ensure that the lender does too. This is why we recommend Ruthchaya. Her passion for helping people buy their first homes is what appeals to us the most about her. She is caring, honest, and very responsive. On the flip side, when we represent Seller Clients and an offer from one of her buyers comes in, we know that with her doing the loan, we can be assured of a smooth transaction. We wholeheartedly recommend Ruthchaya’s services. P.S. She has a LOT of energy!”

Integrity, hard work, and personalized service. Her approach is consistent communication, strong attention to detail and positive experiences. An MBA Graduate from CSU, East Bay, major in Finance.