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Ricky Khamis NMLS 173141

President EPiQ Lending NMLS 17314 | AZ Lic 0911814
A Veteran of the 82nd Airborne Division, Ricky Khamis has devoted his life to helping others. Following his accomplished career as an Infantry Soldier in the military, he was tapped to manage Bally Total Fitness in Mesa Arizona where he was the top General Manager out of 330 clubs. While business management proved successful for him, Ricky still yearned for a career that would allow him to give back to his community while setting aside time for his family. At the recommendation of a close friend, he decided to explore the mortgage industry in November 1991.
After spending a year working as an Assistant and learning the nuances of the business, Ricky went on his own and developed his book of business. Ricky’s tenacious ability to create relationships launched him into the top 1% of loan officers nationally where he spent much of his career. To serve his clients and referral partners at the highest level he earned his Certified Mortgage Planning Specialist Certification where he can train Certified Financial Planners in their credit hours to renew their licenses as well as his Certified Mortgage Advisor and Certified Veteran Lending Specialist.
When assisting clients, Ricky and his team prefer a disciplined approach that recalls his time in the military. He extends that same attention to detail to his borrowers and partners, ensuring that their transactions run as smoothly as possible. “Everything I do has its place and order,” he says. “I coach my group a lot and hold them accountable to our metrics as a team. That way, our partners know exactly what they can expect and the time it will take to get things done.”
Pinned Recommendation
Mar 27, 2023
Ricky Khamis and his team were absolutely phenomenal to work with!! He was wonderful at keeping in contact with me and letting me know where we were in the process. He answered my plethora of questions at all hours of the day and never made me feel like a bother (and trust me, I had A LOT of questions). He truly is the best in the business and feel so lucky to have had him in my corner for my home mortgage loan.
Feb 26, 2024
I had the smoothest experience buying my house with Ricky Khamis and Austin Khamis. They took the time to give me all the information necessary to understand everything about my mortgage. They were so patient, understanding and they made everything less stressful. Buying a house is fun but the financial part can be overwhelming but they made sure you have all the resources available and you feel comfortable with. That’s why I refer them to my niece, I know she will receive good and fair service. Thank you
Apr 13, 2023
Bakery manager
Ricky Khamis and his Team are the best !!! I tried to get a loan with a few different lenders /realtors and because of my debt and bad credit did not want to help , so i gave up looking for a house and then a friend tell me about them and i contacted them they really helped me a-lot not just going through all this and actually helped me to get a better credit while looking for a house in less than 3 months , now thank to them I have my own house I am so thankful for having them be by my side on this process they are 100% recommended ??????
Mar 27, 2023
Ricky was fantastic to work with and made the home buying process as easy as anyone could ask for. He was clear and concise on where we were in our home buying process every step of the way! He provided an attentiveness and care for our needs that would not have been met anywhere else! It was truly a pleasure to work with him through our first home purchase. He explored many avenues to help us get the best deal possible which was very comforting! I was never once overwhelmed or stressed from prequal to close, and could not see myself working with anyone else in the future!
Feb 17, 2023
Behavior Health Technician
You all did a wonderful job. First of all, I did not expect the process to be so quick. It seems that I had to hold my breath to keep up with you. Your professionalism, your timely-execute and expertise have been impressive and recommandable. I can’t wait to embark in such a project with you in the near future. Thank you. You’re the best in the market!
Sep 29, 2022
Ricky and his crew where awesome. They answered every question I had in a timely manner. This home purchase was made easy because of them.
Jul 28, 2022
Ricky and his team, Austin and Sarah, were great throughout the loan and home buying process. They were knowledgeable and responsive, and made necessary adjustments to the loan and interest rate figures before and during escrow. I would highly recommend using Ricky for future loan needs.
Jul 24, 2022
CoFounder of PineApple Cake
I first met Ricky through my Realtor, Stephen Horn. Together these two are a power house. Not only did they protect my financial interests throughout negotiations with counter agents, Ricky provided a helping hand so that my closing concluded smoothly.

Look forward to growing our portfolio of Real Estate investments with the support of such professional, empathetic, and proactive Teams.
Jun 3, 2022
Ricky was great. Everything was super smooth and there were no hiccups.
I highly recommend Ricky.
May 16, 2022
We had the honor and privilege of working with Ricky since November 2020. We started our search for a new home in September of 2020 and was linked with Ricky. He has been and was the one of the most stable being in our process with our house buying. We had 3 different agents through the process. Ricky was flexible with us and if we had questions was readily available. We even met with him a couple of times via zoom for a clearer view and discussion regarding paperwork and the process. It felt like working with a caring family member that had our best interest at heart and hand. He would keep a close eye on rates and made sure to secure a good rate for my family. He was steadfast and passionate in making sure that we felt secure when we moved forward with finally securing our home and obtaining our keys. I would recommend Ricky to anyone he is a committed, caring person. It did not feel like it was just a job to him and that we were not important. We appreciate him and he feels like he is part of our family. Thanks Ricky and please continue to work your craft, be unwavered and be a shining light in people's lives. Thank you.
Apr 1, 2022
Realtor
Ricky is a phenomenal partner! He has been assisting my Buyer Clients with their home purchases and just did the same for me on my own home purchase. He always takes excellent care of my Clients and this time, I was able to experience his expertise first hand. Highly recommend Ricky!
Feb 22, 2022
Ricky and his team were excellent.
Jan 14, 2022
Team Leader
My clients were "approved" by Rocket mortgage for $1,300,000. After getting into contract, paying for a home inspection and an appriasal, Rocket determined that my clients were not approved once taking them through the loan process.
I reached out to Ricky to see if he was willing to take this loan on. He dug into it and was willing to take it on. He had to work some serious magic with these clients and their crazy finances to make it happen but he never gave up and fought till then end. My clients were able to close on their dream home at $1.25mm.
Ricky went way above and beyond for us and I am grateful to be in business with him.
Jan 14, 2022
realtor
Ricky and team are absolute rockstars! Keep you updated and always looking for a solution or the best opportunity for their clients.
5 STAR ALL THE WAY
Jan 10, 2022
Ricky made our transaction quick and easy. We would definitely work with him in the future!
Nov 17, 2021
Home owner
Josh did such a great job handling my refinance. He worked very closely with me to figure out the best options and kept me informed. My refinance ended up being a little more difficult due to unforeseen challenges but Josh was very understanding and supportive through the entire process. I cant say enough about his level of professionalism and the wealth of information he shared.
Sep 17, 2021
1st time home buyer, 1st time doing refinance on my home. So glad I was introduced to Amerifirst/Ricky Khamis group! Kyle H. was so helpful. Helped me understand every little process and never left me wondering. The process was so easy! Kyle was even able to help another friend of mine and gave us both great customer service! Amazing Team!
Jun 24, 2021
I recently refinanced with Amerifirst thru Ricky Khamis. In comparison to a previous refinance wiyh another company I was very pleased with the process. It was efficient and resulted in the rate I wanted. Thru the process I was kept informed at every stage.Thank you Ricky and Amerifirst.
Jun 3, 2021
My wife and I came to Mr. Khamis in a complete panic. We're first time home buyers, and had no idea what we were doing. We went with a company recommended to us through an acquaintance and 5 weeks after going into a contract on a home we fell in love with, the loan company emailed my realtor in the middle of the night saying he couldn't get us the loan. Three weeks to closing and we were at square one. We were devastated. Mr. Khamis took us on and not only got us to closing EARLY, but every single person we worked with were very professional and friendly. I am 42 years old and have never been more impressed with a person or company as I am with Mr. Khamis. It's a FACT that if you want the best opportunity and experience going after that home you want... these people will not steer you wrong! I will never be able to express my thanks enough for everything they did for my family.
May 17, 2021
Quick, easy, and painless funding for my first house!
May 7, 2021
I recently used Ricky's company to refinance my home. From start to finish they were very helpful and went above and beyond to get me a great deal. I highly recommend this company without reservation!
Apr 30, 2021
From our very first phone call with Ricky and Austin we felt comfortable and confident. Ricky’s team was very knowledgeable and help in every step of the way. My wife and I are grateful for all the time, energy and care that was put into our home buying process.
Apr 30, 2021
Ricky and his staff worked very hard on processing our loan. During this unusual time, with COVID 19 social distancing, and unpresented sales, and six months of diligence, the HOME came to fruition.

Ricky and his staff at Amerifirst were very accommodating and easily reached. Within 10 to 15 minutes, I received an email or a phone call with a response. I was given very clear instructions and knew exactly what was expected of me in order to achieve our goals. Everyone was very friendly and professional. Their communication between the Title Company, the Realtor and other agencies, was also very productive.

I would highly recommend Ricky and his staff at Amerifirst.
Apr 9, 2021
Real Estate Broker, Mortgage Loan Originator
Ricky and his team did a great job successfully processing and closing my mortgage loan refi, and at a very favorable rate. Very pleased with the service and to have that behind us! Thank you, Ricky and team!
Mar 31, 2021
Retail Buyer
This was my first time buying a home and Ricky helped me through the whole process explaining every step! The process wouldn’t have been as smooth as it was without Ricky’s help. I would highly recommend him!