Our Services
Buying your first home is a complex, detailed, and lengthy process. Because purchasing a home is a major decision, it is essential to ensure you are dealing with highly experienced professionals who can guide you through the process from start to finish.
At Hotchkiss Financial, we take you by the hand and guide you every step of the way —walking you through the loan application, your income, current debts, and available down payment to arrive at an approved loan amount.
Last, we connect you with a trusted Realtor who will be patient and show you properties priced in the range that fits your pre-qualification and comfort loan amount.
First-Time Mortgage
Buying Your Second Home
Arizona is a desirable location for second-home buyers who want to spend their winter months in warmer weather. Many second homes purchased in Arizona become primary residences when the owners reach retirement age.
Residential Investment Property
We specialize in loans for non-owner property (investment properties). The investment property loans are available for up to 85% loan to value with added fees. All investment loans have additional fees depending on the loan-to-value (LTV) ratio and characteristics of the transaction.
Refinance Loans
Refinancing your home from a higher rate to a lower rate and/or from a longer term to a shorter-term has been a way to provide money for home improvement, debt consolidation, paying off student loans, and other investments.
Hotchkiss Financial has originated more refinance loans than purchase loans over the last several years by helping property owners first complete a Market Sales & Interest Rate analysis to ensure a refinance loan is appropriate.
Construction Loans
Getting a loan to build your home isn't easy, and Hotchkiss Financial has a streamlined one-time close construction-permanent loan program available where the borrower and builder are approved up front with a single loan closing. Randy Hotchkiss, president of Hotchkiss Financial, has extensive construction lending experience and can guide borrowers and builders through the process from start to finish.
Commercial Loans
Investing in commercial real estate is wise. We specialize in apartment complexes but can also help you with other types of loans.