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

Marcel Samandarov

Jun 25, 2019

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.
Jul 17, 2020
Realtor
I highly recommend Ricky and his team at AmeriFirst Financial. Ricky is extremely knowledgeable on what my clients need to qualify them for purchasing a home. I had the pleasure to work with Ricky on the purchase of my own home and I couldn't be happier with the service he provided. He went above and beyond to make sure I closed successfully. Ricky is a very dedicated individual who works for his clients and follows through on every part of the process. He closely follows the transaction and will call all parties involved promptly with information that may require immediate attention for an on-time closing. Thanks Ricky, Jordon & the entire Khamis Team. ~Ericka Lassiter
Jul 6, 2020
Provided us a very low interest rate and closed early!
Jun 30, 2020
Field Service Engineer
We had a contingent offer that needed to be timed correctly. Not only did Ricky make sure we were funded on time but he made sure we overcame the many lender requirements that could have prevented us from getting a loan. Getting a low interest rate and less closing costs was just the topping on the cake. Thanks again to both Ricky and Jordon. We got it done.
Jun 22, 2020
UA Pipefitter
Ricky, Jordon, and the whole Khamis team really made our first home buying experience easy and stress-free. They really took care of us and made everything run smoothly! I would recommend them to anyone if you’re looking for someone you can really trust!
Jun 17, 2020
Buyer
Ricky and his skilled team helped me greatly with the purchase of my first home in Arizona. It was probably the easiest experience I have had with regard to how to understand my finances, not to mention how to apply them to a new home. As challenging as it has been for many to even consider buying a home during something as serious as a pandemic, this team was able to provide a seamless path to an even better outcome. Thanks for making my 2020 goal a reality!

-Franklin
Jun 16, 2020
Retired
IiI was pleased with the entire process. Very professional and the entire experience was a positive one.
Jun 6, 2020
Homeowner
Very professional. Would use them again.
Jun 5, 2020
Union Sheet metal worker
Ricky Khamis and his team were incredible through our loan process, Team Goins realty and Ricky backed us up and stood firm on issues, and was always honest and fair. Ricky under promised and over delivered. Our mortgage is 200$ less than what I was quoated. Ricky personally handled tasks himself to get us to close on time in a crunch to move quickly. In the beginning, Amerifirst gave me out of pocket quoate that was 6k less then the previous lenders I consulted. Amerifirst, after closing and moving in, credited me the appraisal fee I had paid for. I recommend Amerifirst financial to everyone.
Jun 3, 2020
Assistant manager
This is my first time ever buying home but I feel like it couldn’t of been through anyone better !!!
Jun 1, 2020
Executive Sous Chef
Ricky and his team did a fantastic job handling the loan process for our house. From the first meeting, at our house, to the the last of many phone calls, video calls, and emails, we felt at ease knowing that we would be taken care of. We highly recommend the Khamis Financial team for any house/property purchase or refinance. THANK YOU!!!
May 30, 2020
Foreman
Ricky was great. Everything he told me upfront is exactly how it ended up at the final signing. No BS! I would highly recommend him to anyone. He will be the first one I contact in the future if I ever need the services he provides again. Thanks Ricky
May 29, 2020
Ricky and his team are awesome. The whole experience with them was simple and easy. The team stayed in contact at all times and never kept anything hidden.
May 27, 2020
Owner | Loyalty Home Group at eXp Realty
In short - Ricky and his team had our back on a major hiccup transaction that was supposed to be smooth. Long story short, clients credit got hit with a bogus mark a week before closing and Ricky was not only able to get it fixed by pulling out all the stops, we actually closed 3 days early!!!

This wasn't the only time he has gone to bat for a mutual client. Every time we work together, his team pulls out all the stops to get things done right, on time and at the best rate possible.

If you are looking for a partner in your purchase, there is no where else to look.
May 14, 2020
RE Agent
Consulate professional. Ricky gets the job done while communicating all the way through the process. Top notch lender!
Apr 23, 2020
We couldn't be more happy with Mr. Khamis and his team, especially Ryan Gardiner. They reached out to us regarding refinancing and made the process as smooth as possible, especially given the fact that I was going through cancer treatment at the same time. They were very patient and understanding with any and all questions we had. Ryan made sure he was available 24/7, literally. They made the process as smooth as possible. Would very highly recommend them!!
Apr 21, 2020
Semi Conductor Product Specialist
This was my first time buying a home and I came in completely clueless. Words can't express how lucky I am to have been able to work with Ricky through this process. I plan on using Ricky for all of my future home purchases, and highly recommend him for anyone looking to buy a home!
Apr 21, 2020
Senior Staff Manager Costco Wholesale
Ricky and his staff made this whole experience stress free and drama free.
We were treated with respect and professionalism at all times. He and his associate Jordan were always available to answer questions and gave us all the options available to us so we could make informed decisions. When we buy our next house or decide to refinance we will be giving Ricky a call. Highly recommended.
Apr 14, 2020
Limo driver
Ricky did more at a time when things were very critical in the country. His total professionalism is beyond reproach.
Apr 14, 2020
What a wonderful experience with Ricky (and CJ) ... from the start to the end, super easy and very easy to work with. They got everything done with no issues!!
Will definitely be recommending these guys to others! Keep up the great work!
Apr 13, 2020
Oil industry
I highly recommend Ricky Khamis and his team! Bought a house 3 years ago using his team with no issues. Had such a good experience that I used his services to refinance last month. Once again they didn’t disappoint. Fast, friendly, easy and extremely helpful! Thanks guys.
Apr 3, 2020
Ricky did a great job of staying in touch with me and communicating with me all through the process. It was speedy and painless and I Would highly recommend him and his staff. I loved the electronica capability of getting all documents handled without ever having to leave my home.
Mar 27, 2020
Senior Management Consultant
Ricky was fantastic. We needed a mortgage in a state we had no experience on other side of the country. Had no idea what we needed to do and the local laws and regulations. Ricky was a one stop shop. He and his team arranged and took care of everything for us and was in constant communication to keep us calm and comfortable. Extremely responsive and answered calls at all hours without hesitation. Worked with us to obtain the best rate out there and assisted with the application process to make it all seamless and easy. Ricky took a stressful endeavor and simplified it to a point where it was easy for my wife and me.
Mar 17, 2020
General Manager
Ricky Khamis always answer my questions and requests within minutes of posting.
He always made recommendations to improve my financial outlook.

Definitely someone I will use again for my next purchase.

Greg Klosinski
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
REALTOR®
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!

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