Our experience with AmeriFirst was better than 5 stars. Ricky, Ryan, Chris, and Jordan were all amazing. There are so many nice things to say but what stands out is the customer service. They were there for us every step of the way making it simple and easy to understand. We couldn't be happier.

Elizabeth A Thompson

Jun 13, 2018

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.
Feb 11, 2020
Office Manager for PHC Services, Inc.
I was a tough case for Ricky and his team. I had a lot of issues and they had to do my case manually, which meant that when I went to closing, there would be no surprises. They worked diligently for several months and got me approved through the VA. Thank you so much Ricky, I love my new home.
Feb 3, 2020
I absolutely LOVE working with Ricky Khamis and AmeriFirst Financial! Ricky bends over backwards to get the job done in the least amount of time, with the least amount of challenges and to the agents and clients satisfaction. Having worked with several different loan officers throughout my 33 years of professional life, I don't of anyone better than Ricky Khamis and the Khamis Group of loan officers! Simply the best!
Feb 3, 2020
real estate Broker
Ricky is way ahead of the curve. He is way ahead of all the other mortgage brokers with his team, they give SUPERB SERVICE, QUICK RESULTS........Ricky is on top of the latest in financing. As a teacher, Ricky does great accredited continuing education courses that are very informative. His experience in the industry is far above anyone that I have ever known, He gets the job done.
I highly recommend Ricky to none that is getting a loan, refinancing and he does reverse mortgages as well!
Feb 3, 2020
I've recommended multiple clients to Ricky and his team. I've had nothing short of amazing service to include great communication, follow through and most importantly getting the loan closed all while making clients comfortable and happy! I'd trust the Khamis Team with my own family members mortgage needs.
Jan 17, 2020
Small business owner
Owing a small business can make the approval process a bit strenuous at times. My last loan needed document after document to see if I qualified. Ricky and his team made whole process about as smooth as it gets!!
Jan 17, 2020
Ricky and his team were amazing. Our situation was complicated as we owned a business in another state, and had just started a new job here in Arizona. They worked tirelessly to get around any jams and found us the best rate they could at the time. Within 6 months rates dropped and they contacted us to let us know. We ended up saving an additional 100+/month after the second refinance and it cost us very little. I would definitely recommend Ricky and his team.
Jan 15, 2020
Software Engineer (Vets in Tech)
Ricky was great. His team was fast and responsive to questions, got me pre-approved quickly and with a great rate! I would recommend Ricky to all vets looking for a home. :thumbsup:
Jan 14, 2020
Injury/ Litigation claims specialist
Such an easy and amazing experience. Ricky helped me with buying my first house. I literally had no idea how to start and the whole team was so kind and walked me through each step. They always checked for my understanding and made sure I got the best deal. I highly recommend using them.
Jan 14, 2020
Truck driver
My experience being a first time home buyer was nerve racking to say the least. I was definitely lucky to have Ricky work with me and explain everything along the way. He was very patient and never left me hanging throughout the whole process. I would definitely recommend Mr Khamis to anyone buying a home.
Jan 14, 2020
My experience with Ricky and his entire team was great. Any time I needed some questions answered or more information I could easily get a hold of them. Everything was explained in detail step by step. Made refinancing my home very seamless and made me feel comfortable with the process. Spoke with multiple agencies about refinancing prior to choosing Ricky and his team, I am very happy with my decision. Great people, amazing customer service, and very knowledgeable. I would highly recommend.
Jan 10, 2020
Ricky was introduced to us by our realtor Caleb Janus. He took charge of our case checked our needs and made recommendations that covered our needs. At no time did we feel rushed to make a decision on any suggestions from him or questions we had for him. We would highly recommend him to anyone looking for financial solutions.
Jan 10, 2020
Project Manager
Ricky and his team did a great job. They personally called the selling agent to help our process along, which the sellers appreciated.
Jan 10, 2020
President of Operations Avenir Senior Living
Ricky was very knowledgeable and interested in our personal financial needs. Provided solid recommendations and feedback during the purchase of our new home. Great follow up and
held our hand through the process of what can be a stressful time.
Thank you Ricky ! I would recommend your services ....
Jan 9, 2020
Self Employed
We have processed two loans with Ricky. He iswonderful to work with and processed our loans quickly. I highly recommend Ricky Khamis with Amerifirst Financial
Jan 9, 2020
Ricky Khamis and the team at AmeriFirst Financial provided a painless experience. They made buying a home a breeze, and provided support throughout the entire process. Highly recommend.
Jan 9, 2020
Self Employed
We have processed two loans with Ricky. He iswonderful to work with and processed our loans quickly. I highly recommend Ricky Khamis with Amerifirst Financial
Jan 9, 2020
Expect the best experience with Ricky and his professional, friendly, 'go the extra mile' team! This is your dream team!

Thank you to Ricky and Staff!
Andrea and Andre
Jan 8, 2020
Ricki , Whitney,& Marlo team of experts navigating through this first time home buyers experience was crucial to our home purchase. Without them in our lives we probably would never had perfect home for us. Truly wonderful personal experience with professional service from extraordinarily efficient and thorough staff . Thank you so much for all your help and assistance. Ps I really might need some more of those chocolate brownies in the gift baskets ! I look forward to working with Team Ricky again & again !!
Jan 8, 2020
Ricky got me into a home that I could afford. He was honest and upfront.
Jan 8, 2020
Home Buyer
Ricky and his team did an outstanding job. They were accessible as well as knowledgeable. In the middle of the process one of Ricky's team left and was very quickly replaced by another very helpful person. This was an out of state transaction and although the time difference made it more of a challenge to get things done on time, I felt confident and rightly so, that things would be done on time. Thank you Ricky and your entire team for making this business transaction professional and friendly.
Jan 8, 2020
Business Owner
Ricky came out of the gate very strong and made some great recommendations and then the results sharply declined. The followup was less than stellar and a number of items came down to the wire and was a bit disconcerting.
Jan 7, 2020
It was a very stressful experience. I explained several times that I live very rural and to fax papers it was a 40 mile round trip to do so. It was also explained that I would be having knee replacement surgery.

Several times, it was asked at the last minute to get documents and or signatures required. Once as I was on my way to surgery.

My husband and I drove 6 hours round trip to personally deliver paperwork. A few days after the trip, I received a call requesting the same paperwork that had just been delivered. It was located without apology.

On the day of close of escrow, as the the movers were literally at my house packing up, I received a call for documents that they had been received two weeks before.

Our loans was a VA loan. The interest rate was high. They did not try to negotiate the best interest rate. Six months later, we are refinancing four an interest rate at a full 2 points lower.

I would not recommend them. If it is decided to go ahead with this group, be prepared to be frustrated and very stressed out for the whole experience.
Jan 7, 2020
Mr. Khamis did a great job refinancing my home loan. I would recommend him to my family and friends.
Jan 7, 2020
Ricky was by far the best mortgage guy I have ever used, and I’ve been a realtor for 30 years.
Jan 7, 2020
This is the 2nd home Ricky and his team has helped me purchase and they always do a fantastic job!

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