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Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!

With AmeriFirst Financial you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Competitively Priced Loan Programs:

  • Home Affordable Refinance Program (HARP) Disclaimer
  • Purchase, Rate and Term Refinance, and Cash-out Refinance Programs
  • Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs)
  • Jumbo, Portfolio & Investor Products

We're here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

Please enter a valid home price


30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.


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. Luwanna M Brown Luwanna M Brown Office Manager for PHC Services, Inc.
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 ... READ MORE Anthony L Hughes Anthony L Hughes REALTOR®
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. ... READ MORE SUZANNE FUQUA SUZANNE FUQUA real estate Broker
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 ... READ MORE Haley Schuster Realtor
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!! Benjamin J Coen Small business owner
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 ... READ MORE James Lahoe Homeowner
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: Micah Mehan Software Engineer (Vets in Tech)
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. Mena Negron Injury/ Litigation claims specialist
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 ... READ MORE Nicholas McMeans Truck driver
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 ... READ MORE Anonymous
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 ... READ MORE William L Onyett Retired
Ricky and his team did a great job. They personally called the selling agent to help our process along, which the sellers appreciated. Kris M. Project Manager
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 ... READ MORE Peggy Ulland President of Operations Avenir Senior Living
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 David Bee David Bee Self Employed
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. Anonymous
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 David Bee David Bee Self Employed
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 Andrea Leiser President
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 ... READ MORE Jeffrey james Producer
Ricky got me into a home that I could afford. He was honest and upfront. Morgan Rayl Morgan Rayl
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 ... READ MORE Pier J Quadri-O'Brien Home Buyer
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. Steven Hoover Steven Hoover Business Owner
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 ... READ MORE Deborah Clayton
Mr. Khamis did a great job refinancing my home loan. I would recommend him to my family and friends. Suzanne Novella
Ricky was by far the best mortgage guy I have ever used, and I’ve been a realtor for 30 years. Jason Sales
This is the 2nd home Ricky and his team has helped me purchase and they always do a fantastic job! Wesley Hathcock Roofing
Ricky and his team were able to support me through my first refinance through the holiday period. His team was available at all times to ensure we completed in timely fashion. They handled a last minute adjustment with ease that made for a seamless close. Dan LaPinta Project Manager
Great communication!! His staff was friendly and very knowledgeable with the documents we needed to get the deal done. Kelly Sisco
I have worked with Ricky and his amazing team on several clients together! The first time I worked with them they not only did a fantastic job the entire process but they were even able to close early! Another time I had 3 consecutive closing the same day and they were able to get it ... READ MORE Renee Burke with HomeSmart Elite Group Renee Burke with HomeSmart Elite Group Real Estate Agent
Great, professional mortgage office. Thank you so much!! Imelda Castro Imelda Castro Imelda Castro Research Tax Services Specialist
We worked with Ricky Khamis and his group to purchase our fourth home. They were very helpful, informative and professional during the whole process. Ricky went above and beyond to help us close out our loan so we could get into our house! My husband and I highly recommend using the ... READ MORE Kristin Morgan
Ricky’s team were timely, thorough and helped us through the whole process. I would highly recommend his team. Brian Dulude Home Owner
We're thrilled with our home buying experience and would highly recommend you talk to Ricky and get a quote from AmeriFirst today. Read on for details to support why I am the happiest home buyer in America right now. The AmeriFirst team gave my second home buying experience the ... READ MORE Joshua Andrada MSgt, USAF
My experience with Ricky and staff has been wonderful. They all were extremely professional and timely. I would recommend them to anyone. Kimberly Neal Gymnastic coach
When I moved to Ariziona 10 years ago....I was very lucky to meet and use Ricky's services on obtaining a mortgage for my new home. He and his team did a great job. Here I am...10 years later and Ricky and his team did another fantastic job on obtaing me a great re-fy ... READ MORE John P. Doukas Vice President--General Manager
Ricky and his team were excellent. Got our mortgage taken care of and great communication along the way. Tim Woodyard CEO
The Ricky Khamis team was a pleasure to work with and seems to work miracles. They answered every question I had and being a first time home buyer, I had many! I learned quite a bit from the team and am very thankful to them and that they were recommended to me. Nicole
The Ricky Khamis team was a pleasure to work with and seems to work miracles. They answered every question I had and being a first time home buyer, I had many! I learned quite a bit from the team and am very thankful to them and that they were recommended to me. Nicole Hanson
Ricky has been very helpful, he explains in a way we can understand. He has answered all our questions even the ones that seem unimportant. Ricky has prepared us for the future which we really appreciate. Esteban Yanez
Ricky and his team are AMAZING! They helped me refinance my home, got me the best interest rate and the most amount of money back. I highly recommend using the Khamis Group. You WILL NOT be disappointed at all. Darryl Sherman Client
Ricky and the whole team stay on top of everything & keep you informed along the way. Did my home purchase through them in 2015. Didn't even bother to contact any other loan officer when I did a re-fi. I lowered the interest rate & took out some equity. Ricky & the ... READ MORE Kathleen Davis
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 ... READ MORE Dana corum
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! David Christensen
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. Casey Martin Attorney
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 ... READ MORE Russ Wilson
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, ... READ MORE Dennis Arnold & Barry Brents Dennis Arnold & Barry Brents
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 ... READ MORE Larry and Susan Erikson Homeowners
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. Kyle
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 Denise Harris Ricky khamis
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. FREDERIC G MCCURDY
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. Ron Elkins
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 ... READ MORE Marcel Samandarov
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. Ramona Bellah Ramona Bellah Customer service representative
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. Jeff Blitstein Project Manager
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! Madison Matykiewicz
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 ... READ MORE Mack Baker Mack Baker Field Service Engineer
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 ... READ MORE Darrin & Rhonda DeWitt Customers
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 ... READ MORE Floy d Spear Buyer
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 ... READ MORE Scott Crouch Scott Crouch Designated Broker
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! Alberto Martinez Alberto Martinez
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 Danny Holycross Life Changing
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. Jennifer Carlson Jennifer Carlson Great Team to Work With
Ricky Khamis made our home buying experience flawless. All documents to sign were done in a timely manner. All questions were answered promptly. Perfect ! Elena Conroy
Ricky and his team did a great job with the purchase of our property. Thank you Dave Baker David Baker
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 ... READ MORE James Lahoe Claims specialist
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. Jackie P
Ricky and his team are amazing . This was my husband and I’s first home buy and they made a typically stressful situation enjoyable . They send you emails every time your loan is updated with a timeline of what to expect from start to finish so you are never left in the dark. ... READ MORE Skylar Hoffmann CNA
Ricky did an awesome job during the transaction, the whole team was great, they kept me updated every step of the way. Thank you so much Anna rodriguez homeSmart Realty ANNA RODRIGUEZ REALTOR
Ricky and Jordan did an amazing job on my refinance. I definitely recommend them, and will tell my friends that need a house loan to come here. They are pretty fast and answered all my (stupid questions lol) I had, and made me better understand the process of the refinancing. Felecia M Hathcock Felecia M Hathcock Felecia M Hathcock
Ricky and his team helped us negotiate the land mines and pitfalls of the mortgage process, getting us into our new dream home in a timely and low cost manner. He comes highly recommended! Mark Wiesinger Retired
They did a great job in getting us through the process step-by-step very quickly and professionally. I have recommended and referred several people to them as I would look forward to doing business with them again in the future on any future lending needs. I was in a unique situation ... READ MORE Dale Hathcock Business owner/ UPS Driver
I cannot say enough about how well Ricky and his team steared me through the home buying process. I was a challenge and they made it seem easy. I purchased from out of state and there communication and direction was top notch. I was well informed through out. This process is supposed ... READ MORE John Wayne Crowder Recently Retired
The Ricky Khamis team is phenomenal, especially Ryan McDonough. Ryan went above and beyond to close our loan on time. Ricky was there throughout the entire process communicating every detail in a timely manner. I would highly recommend the Khamis Team Bill Cook Bill Cook Director of Finance
Fue un placer trabajar con Ricky y su equipo. Su hablante de español CJ Nelson fue increíble. Muy paciente y me acompañó a través de todo el proceso respondiendo a mis muchas preguntas y ayudándome a obtener la mejor oferta. Juan Hernandez Business Owner
Ricky and his team did an outstanding job on getting my home loan done and I will recommend him to anyone who were told no the first time they applied for a home loan but Ricky and his team at First American made it happen. Thank you Ricky! Rogelio’s Ceballos Ricky khamis
Ricky handled our mortgage application expertly. He and his team explained everything to us so that we knew what was happening during each step of the loan process. Our calls were returned promptly and our questions answered immediately. He and his staff made us feel like we mattered ... READ MORE Debbie Hoffman
Great job getting us in a nice house very nice people will use again for my next house Jesse gordon
Rick and his team did a great job throughout this whole process of keep up informed on what they needed and how soon.Great communication with them kept are closing date on time about 2.5 weeks. They even got someone to meet us on are vacation to sign all are Documents. We were funded 6 ... READ MORE Randy Campillo Sales
Ricky and his team have been so dedicated and supportive from day one, right on through to the closing date and beyond. I could not be any more pleased with the mortgage process. They made everything so easy and answered all my questions and walked me through the entire process. I ... READ MORE Eric Oppenheimer Business Development Manager
Ricky and his team are fantastic. Cutting edge, communication, heart and soul. Very determined work ethic to get what needs to be done on time with no pitfalls. You can trust them to handle your loan process from front to back in a world-class manner. Thank you so much Ricky, ... READ MORE KURT M. BOYD KURT M. BOYD SELLING AGENT | CAMBRIDGE PROPERTIES
Great people!!! Very attentive to needs of customer!! Highly recommended!!! Hector Baca Real Property
Ricky and his team were wonderful and efficient they all went above and beyond and I wouldn't have chosen another team. Thank you for all your patience and especially helping my family and I in the purchase of our new home Gina Contreras
Very quick and thorough, good follow up service Kenneth Ross Gwa
Ricky and his team were amazing from beginning to end. My family was looking for a home and Ricky, while at Top Golf on a weekend took time to start our process and pre qualification. From there he mot only was kind, I formative, and helpful in the big investment decisions his team ... READ MORE Jason Jensen
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 ... READ MORE Elizabeth A Thompson
Ricky's team was excellent and we are very pleased with the amount of amount he provided along with communicating our loan status. I would highly recommend. In fact my wife and I have already told close friends and family, you will be taken care of. Richard Hernandez Systems Engineer
Ricky Khamis and his team, Ryan and Chris, at AmeriFirst Financial did an excellent job handling my mortgage. Everyone on the team was very helpful and professional, they even followed up on items over weekends and evenings. I was very impressed with how they kept me informed every ... READ MORE Monica Baltz Software Engineer
Ricky was extremely helpful in the finance process. He always answered my questions in detail and returned my phone calls promptly. His explanations were easy to understand while talking about numbers. I would recommend Ricky to everyone buying a home. Brittany Renzaglia Brittany Renzaglia
The Ricky Khamis team was very friendly, helpful, efficient, timely, and knowledgeable! Everything went very smoothe and easy. This was my first home purchase which was scary for me, and Ricky was so helpful in helping me understand all the numbers and my best options, and even took ... READ MORE Tricia Larson Tricia Larson Senior Sales Consultant
Ricky and his team were awesome. Of special note is one of his partners Ramone Espinoza. Simply spectacular. The communication was consistent, and the follow up was refreshing. They made a stressful situation manageable. Thank you for everything! ISAAC KING Director of Travel Nursing
The Ricky khamis team provided us with the knowledge and patience to get ourselves out of debt and into a home. We were on our last string and the khamis team pulled our spirits up and told us we were getting a home no matter what. They gave us the tools to do so easily and with a ... READ MORE John lee Sherwood John lee Sherwood Super daddio awesome guy/warehouse reach driver
I had the pleasure with working with Ryan and he went above and beyond! In order to close on my place, the HOA needed to provide some accounting documents which they didn't seem to have. Ryan then stepped in for the selling parties HOA to get the job done! It was amazing! ... READ MORE Jonathan Dolly HR Generalist
they doing great,thank you guys. Glen P. Edullantes Glen P. Edullantes EVS/floor tech
The entire loan process was smooth and very fast! We are beyond pleased with how everything went. From the very first call to Ricky to the day we actually moved into our home, Ricky was with us the entire way. Not a day went by that we didn't receive a call or email from Ricky or ... READ MORE Jeff Standage Jeff Standage Husband + Father + Dentist
Ricky Khamis and his team were incredible! Together we Planned and Executed! Their communication was on point throughout the entire loan process. This is our second home loan with The Khamis Team. Ricky has our business for life! #Buildingdreams! Many thanks! Kevin Howard Owner - Ability Home Inspections
Just spent 30 minutes with Ricky for a consultation that was fantastic. Ricky provided some really great ideas and explained how they would benefit my long range vision. Ricky's industry knowledge and the products and services he offers is truly of great quality to me and my ... READ MORE Mike P. Manager
Ricky and his team were great. They are highly recommended for anyone looking for a team of individuals, who are professional, have excellent communication, and all around great guys. Eric
The whole process was smooth! Information gathered and completed in a very timely manor. Always there to answer any questions and give me any information that was very helpful. Would definitely refer my friends and family. Easily the quickest loan I've acquired to date. ... READ MORE Gail A Barrow Insurance Agent
Rickys team is the best. 2nd home and smooth job steven anderson President national property inspections
Being a first time home buyer is intimidating. The help and support I received throughout my process was just what I needed. It was quick and easy. I would recommend and use again. Brunai Johnson
What started as a nightmare of getting denied turned down by two other Lenders our hopes of becoming home owners were rapidly starting to fade away. I decide to not give up and found hope in my realtor who recommend speaking to Ricky Khamis and his team at AmeriFirst. Since the first ... READ MORE Juan & Julia Arredondo

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