https://hotchkissfinancial.com/home daily 1.0 2023-09-09 https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/1655f6f0-71ec-479e-8db8-9bff3e5cd92d/unsplash-image-rgJ1J8SDEAY.jpg Home - First-time Home Buyers Buying your first home can be a confusing process, and Hotchkiss Financial, Inc puts our experience to work for you to make the process easier—guiding you every step of the way. https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/5bbaf1b8-d5f0-4b3e-a09f-7bed5e89c9ca/Real-Estate-Investment-Property-Loan.jpg Home - Real Estate Investors Shopping around for your investment property loan has never been so easy, fast, and personalized. Let us help you shop for the right mortgage for your investment property. https://hotchkissfinancial.com/services daily 0.75 2022-08-27 https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/41b61d64-775b-431c-a9e2-a7740b7991fc/First-time-Home-Buyers.jpeg https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/1656318172912-SCZI7ETGW3U0GGMWKEFK/Second-home+buyers Services - 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. https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/1656318131388-NW5GWJ5MP12E5EMVB235/unsplash-image-KSBXhz1kggg.jpg Services - 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. https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/d6d38b78-a510-47fa-9873-6d035034ed5e/unsplash-image-1sCXwVoqKAw.jpg Services - 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. https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/b2aa48c3-6efd-4dc6-a961-deaffb353931/unsplash-image-jEP4vsHrSM8.jpg Services - 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. https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/1656320375129-LJFFMFOAITPKOE69TR75/unsplash-image-OQMZwNd3ThU.jpg Services - Commercial Loans Investing in commercial real estate is wise. We specialize in apartment complexes but can also help you with other types of loans. https://hotchkissfinancial.com/location daily 0.75 2022-09-15 https://hotchkissfinancial.com/about daily 0.75 2023-09-09 https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/180c32f8-4d6c-47a3-b5b7-703ce321b63a/About+Hotchkiss+Financial About - About Hotchkiss Financial A Tucson native and University of Arizona graduate, Randy Hotchkiss has over 40 years of residential and commercial real estate lending experience from major financial institutions in Arizona. He is dedicated to providing excellent service for his customers and was awarded the highest designation —Certified Mortgage Consultant (CMC) — by the National Association of Mortgage Brokers. In addition to taking care of his customers, Randy enjoys vacationing in Mexico and working on various building and landscaping projects through Garden Art. We have offices in Tucson and Show Low Pinetop, Arizona. https://images.squarespace-cdn.com/content/v1/62b945a033f81c34a573dda2/e193be91-0212-465d-baa5-648e7b57b592/HotchkissFinancialStamp.png About Love personalized service? Even though we are a small company, we utilize the latest technologies to provide customized and personalized solutions for each client. Do you like quality & efficient delivery of service? We have excellent relationships with our investors and knowledgeable loan processors, which makes the loan process smooth, resulting in high quality & efficient delivery of service. Do you want to work with a local company? Randy Hotchkiss, owner of Hotchkiss Financial Inc., is a Tucson native, University of Arizona College of Business and Public Administration graduate. Randy serves as an Eller College Associate for the University of Arizona Eller College of Management, where he interviews students for admission. Randy holds several roles in multiple local non-profit organizations. Do you want experience on your side? Randy Hotchkiss has over 40 years of mortgage lending experience. At Hotchkiss Financial, we make sure that we live up to our reputation and apply all our knowledge to the benefit of our customers. https://hotchkissfinancial.com/contact-us daily 0.75 2022-09-15 https://hotchkissfinancial.com/locations daily 0.75 2023-09-09 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847889324-DFHCXJY7BA7YLNZ26RDC/image-asset.jpeg https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847890165-I7LPX06YA44DBGGFPSGA/image-asset.jpeg