Ricky Khamis

National Business Development Manager AmeriFirst Financial, Inc. NMLS 17314 | AZ Lic 0911814
A veteran loan officer and an innovator in the real estate industry, Ricky Khamis is the branch manager in the corporate office of AmeriFirst Financial, Inc. where he oversees an annual loan volume of $200 million. His in-depth understanding of bond markets and ability to accurately gauge the direction of interest rates has helped him consistently rank within the top 1 percent of lenders for the past 10 years.

Ricky is also a subject matter expert who assists real estate professionals and executives with growing their businesses. He is an instructor at the Arizona Academy of Real Estate where he has taught hundreds of realtors and loan officers how to develop high-yielding internet marketing campaigns. His innovative system allows them to create a prominent presence on the World Wide Web using proven tactics. He has taught classes in Arizona, California, Colorado, Texas, and Utah. Additionally, he coaches and consults with business executives through his company, Barrier Breaker Coaching, LLC (est. 2014). He also conducts presentations and publishes articles about internet marketing development and sales tactics.

Ricky attributes his success to discipline, dedication, and drive; commitment to continuous education and growth; and an exceptional ability to open doors others cannot. These traits coupled with technological, web site building, and social media expertise allow him to provide high-level advice, tools, and resources for his clients.

Ricky received training from The CORE Training, Inc., a premier real estate and mortgage coaching company that serves top producing loan originators and real estate agents throughout the country.

Earlier in his career, Ricky served in the US Army as an infantryman with the 3-505th 82nd Airborne Division at Fort Bragg North Carolina. He was awarded the Army Achievement Medal and four Army Commendation Medals, and he was named Soldier of the Month.
Sep 10, 2019
After going through two other lenders we got in touch with Ricky and from the get he was paitent with my crazy self and able to get us a loan which I thought wasn't going to to happen! We found a house and had to jump and within 30 days we are now in our new home! He gave a chunk towards closing cost and that was so helpful. I LOVE RICKY and reccomend everyone to use him!!!
Aug 27, 2019
We appreciated the promptness of the Amerifirst team! They took care of business in a professional and responsive manner. Marlo and Jordon were simply fantastic to work with!
Aug 26, 2019
Ricky and his team were fantastic to work with. They got us a great rate and helped us move up our closing. We will definitely be using this team for future purchases.
Aug 16, 2019
Ricky and his team really took great care of me. All I had to do was produce the documents they requested and they did everything else. This was the smoothest process I've ever done and they saved me hundreds per month. The real kicker - as soon as I closed the loan the rates dropped another 1/4% and they jumped on it, drafted new papers with the lower rate and had me resign them saving even more money! Seriously, best customer service and aggressive in making sure I was getting the best rate!
Aug 2, 2019
Well, we can hardly find the words to describe how much we appreciate all the efforts and expertise Ricky utilized to make our dream of owning horse property and a beautiful home at the base of the Superstions Mountains a reality!! We were always confident after our initial contact, this would happen. Challenges came up, including county assessor's property split; taxes; assessment issues and Ricky was able to solve them all without us having to stress about the intricate details involved in the closing process. We were able to close early and have confidence it was all handled properly. Oh, the best part, a couple of days before our scheduled closing, Ricky informed us he got our interest rate down for the second time! Thank you again, sir for all you did for us!!! We've already recommended you to a couple of our Phoenix friends looking to make a move. :-) Dennis Arnold and Barry Brents
Aug 2, 2019
Ready to purchase your new home? Check out AmeriFirst Financial. Ricky Khamis and his expert team at AmeriFirst Financial not only provided excellent over-all service, but walked us through the entire process; from start to finish.
He and his team were accessible, knowledgeable, and always very helpful. We would recommend them to any home buyer trying to successfully navigate the loan process.
Jul 9, 2019
Ricky is awesome! If you need a loan, you need to go to Ricky. He is fast, efficient, and gets things done. I would recommend him to anyone.
Jul 6, 2019
Ricky khamis
I was very pleased with the way Ricky and his team pulled out all the stops in helping me to purchase my home. I feel as though they worked around the clock to help me to achieve the ultimate goal. I would recommend amerifirst to family and friends. THANK YOU
Jul 1, 2019
Rickey and team did a fantastic job in preparing our loan. We are very pleased at how well everything went through underwriting. There estimated close and mortgage payments were spot on. Thank you to the whole team. We will be recommending you to our friends and family.
Jun 29, 2019
Ricky Khamis was able to help me refinance my home to a better rate. He and his staff kept me informed and answered my questions in easy to understand terms. I reccomend going with Ricky Khamis for your financial needs... I know I will be a repeat customer.
Jun 25, 2019
Ricky and his team did an amazing job to find the right mortgage for us. They were very reliable and made the process very smooth, easy and fast!
His team was always available per phone or email, I never had to worry about having my file pushed on the side. They prioritized our file because we were in a hurry to close. Overall amazing work. Highly recommended
Jun 18, 2019
Customer service representative
I want to thank Ricky and his team for the amazing service they gave me. I will recommend him and his team to friends and family.
Jun 11, 2019
Project Manager
Ricky was amazing. His communication was always prompt and on point. I would use his services again in an instant and will recommend him going forward.
May 14, 2019
Amazing!!! I am a first time home buyer and I worked with Ricky Khamis and his group to get my mortgage loan. They are very professional, extremely helpful, and made the process very easy. I highly recommend using them!
May 10, 2019
Field Service Engineer
Ricky Khamis and his team did an excellent job of helping us with our home loan. They were quick and communicative so that we could close in time, but also incredibly warm and friendly. Our loan officer even went out of his way on a weekend to help us in an emergency. I cannot recommend Ricky and his team enough. They will take care of you.
May 4, 2019
Ricky Khamis and his entire team at AmeriFirst were a pleasure to work with. They made buying a new home so easy. Ricky and his team were so knowledgeable, helpful and answered all of our questions and walked us through the process of getting financed. If your not sure who to go with when buying or refinancing your next home AmeriFirst should be your first and only choice. I will highly recommend them to everyone.
Apr 29, 2019
This was a very good buying experience. I previously was a Realtor and Ricky and his team were by far the most professional and caring that I have ever been involved with. I would recommend them to any buyers and also to any Realtors wanting the best lender in the Phoenix Valley. They kept us informed and were very helpful with the entire process.
Apr 8, 2019
Designated Broker
I have had the pleasure of working with Ricky and his team for over 7 years. His attention to detail and responsiveness to my client's financial needs has been second to none. Ricky and his team have also helped my clients in multiple states . His team is really amazing and as he often says; "To be the best, there is no down time". Ricky really does provide an enormous amount of effort for his clients to meet their needs and to get them the best deal possible. His military discipline really is applied to his clients and his mortgage business. I am blessed to call him not only a business partner but also a friend. #crouchman
Apr 5, 2019
Alberto Martinez
Mortgage underwriting process is, well, a mortgage underwriting process. The Ricky team made it as easy as possible for us. From keeping us up to date on documents needed to where we stood in our funding process. Thanks again for everything!
Apr 5, 2019
Life Changing
After working with the Khamis team for 4 months I was able to ReFi my home and lower my interest rate by 7%! I went from a hard money loan to a conventional, 4% mortgage. At first I was skeptical, but this has literally changed my life. I am saving $1,800 a month! Thank you Ricky and team
Apr 2, 2019
Great Team to Work With
Thank you to Ricky Khamis and his wonderful team for loan servicing! It was a smooth process with great communication. I am a repeat customer and very happy with the quality of his team and professionalism.
Mar 24, 2019
Ricky Khamis made our home buying experience flawless. All documents to sign were done in a timely manner. All questions were answered promptly. Perfect !
Mar 22, 2019
Ricky and his team did a great job with the purchase of our
Thank you
Dave Baker
Mar 20, 2019
Claims specialist
I have bought and sold several homes over the years. None of my experiences could even hold a candle to my experience with Ricky and his team. My last purchase was not an easy one.. Despite all the convoluted pieces, Ricky and his staff were able to find a way to keep us positive and moving forward til our home finally closed.. They didn't stop there. The team has followed up to make sure we are still enjoying our home.. I've never had that experience.. Thanks guys
Mar 17, 2019
I would use Ricky Khamis and his team again if needed. Everything was done in a timely manner and was able to close escrow on time. I will definitely recommend him to my friends and coworkers.

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