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.
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
Ricky and team are absolute rockstars! Keep you updated and always looking for a solution or the best opportunity for their clients.
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 23, 2021
If I could give no stars I would. This was by far the worst experience I’ve had getting a loan. It should have been the easiest loan. I have no debt with enough in the bank to pay cash for the home. Verifiable income, yet it took over 5 months. It cost me so much more then promised!! Higher interest rate then promised. So many promises with non kept. I’m the end I should have been thankful? I can’t even begin to explain everything that went wrong. Many time I was going to just go somewhere else. But I kept believing the promise and I had gotten so deep into this I didn’t want to start over. In the long run this cost me so much more. Plus my loan officer and Rickey seemed to have zero communication. I finally signed to close the loan that’s a total mess.
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!
Mar 22, 2021
Ricky is absolutely best-in-class. In my refi process, he was always available, responsive, and worked with a sense of urgency to execute. He delivered on his promises and was enjoyable to work with through the process. He gets my complete endorsement!
Mar 15, 2021
Business Development Manager
Ricky and his team at AmeriFirst Financial are extremely efficient, thorough and responsive. I have had nothing short of a great experience through the entire process and I would highly recommend them to handle my family and friends mortgage needs, in fact I have. Should I ever personally have any future re-fi or mortgage needs, I'm calling Ricky.
Mar 15, 2021
Ricky was extremely professional and very easy to communicate! He got us a great interest rate and made the process really smooth! Highly recommend!
Mar 9, 2021
Absolutely Ricky is the best, making things so much easier upon purchasing my home, Ricky explained things I needed to know gave great suggestions that benefit me.. His patience an manner stayed professional at all time I definitely appreciated he guideness which really allow this to flow easier for me!
Thanks Ricky??
Mar 9, 2021
Ricky and his team went above and beyond to make sure my first home purchase went smoothly. I was relocating from another state and they made sure to make themselves available for all of my questions and exercised patience with my thousands of questions. They really made me feel comfortable with my decision and we’re very flexible with making it all come together.
Mar 5, 2021
When all the other lenders said no!, Ricky Khamis said "we can do this!" I had been turned down for one reason or another from a few different lenders. My situation was challenging. I was on the verge of giving up but Ricky, along with his partners restored my faith in the lending process. He kept me informed of what was happening in the process and was always honest and up front. He was so reassuring I honestly thought he was pulling my leg! I was wrong. He did exactly what he said he was going to do. He succeeded and getting my loan closed, when others failed. I will definitely use him again for any future lending needs I have.
Jan 5, 2021
The team was very helpful and the process was super easy. Ricky is a great guy to work with,
Jan 5, 2021
Ricky put together a package of 2 loans as he had promised to allow us to close on our new home. Despite some barriers from the second lender and some computer failures, we got it done, but a day delayed. Special shout out to Jordan for positive attitude and excellent service.
Dec 7, 2020
The Ricky Khamis team was wonderful. Throughout the refinance process, the communication was excellent. I was immediately locked into a very low interest rate as promised. I had a great experience and highly recommend Mr. Khamis for your financial needs.
Nov 30, 2020
Just a dude
We had a unique situation in where it took us longer than normal to sell and purchase a new home. Ricky and his team were great from the start and stayed engaged the entire time. When it was time to close Ricky and his team stepped up and wrapped things up in a timely manner. Thanks Ricky...
Nov 30, 2020
Ricky and his team killed it and made my wife and I’s first home buying experience a memorable one. He even warned us saying there’s gonna be some bumps along the way but I promise you, that everything will be ok and I will get you into your house! He was right! COVID hit and him and his team didn’t let anything in the way of us getting our house. November 3rd we got our closing date of November 20th and him and his team got everything done within 18 days and got us funded and closed that Friday! I can’t tell you how hard they work to ensure they make their customers happy. I highly recommend Ricky and I have referred everyone I know to him because of how truly amazing he is! He knows his stuff and tells you how it is and is extremely up front about everything!
-TJ Perez

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