Hotchkiss Financial

read moreBuying your first home is a confusing process, we will put our experience to work for you, and make the process easier for you. We will guide you every step of the way. 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. Even though we are a small company, we utilize the latest technologies to provide customized and personalized solutions for each client. Randy Hotchkiss, owner of Hotchkiss Financial Inc., is a Tucson native, University of Arizona graduate from the College of Business and Public Administration, and is an active member of the community.

read moreA Tucson native and University of Arizona graduate, Randy has over 35 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.

read moreArizona is a desired location for second home buyers who want to spend the winter months in our great winter weather. Many second homes that are purchased in Arizona become primary residences when the owners reach retirement age. Second home financing is the same as primary residence financing. The interest rate and terms available are exactly the same.

read moreBuying your first home is a complex, detailed and lengthy process. Because buying a home is a major decision, it is very important to make sure 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 beginning with a sit down meeting to discuss the loan application analyzing your income, current debts and available down payment and arrive at a loan amount that you can be approved for and that you will be comfortable with.

read moreReverse mortgages are designed for those borrowers who need additional income to support their lifestyle. Some basic requirements for reverse mortgage loans are, that the borrower is at least 62 years old, occupies the property, and has sufficient equity in the property. At Hotchkiss Financial, you can rest assured that we will expedite your reverse mortgage process with unmatched attention to detail, and we will guide you through the process from start to finish. In addition, we will update you promptly and keep you well informed about your application's progress.

read moreRefinancing from a higher rate to a lower rate and from a longer term to a shorter term has been a way to provided money for home improvement, debt consolidation, paying off student loans, and other investments. With interest rates remaining low Hotchkiss Financial has originated more refinance loans than purchase loans over the last several years. We complete an analysis of several factors before recommending that borrowers refinance. Borrower needs an analysis done to determine if the refinance makes sense even if the rate is not much lower.

read moreInvesting in commercial real estate is wise. We specialize in Apartment complexes, but can also help you with other types of loans, as needed.