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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 / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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.


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
My experience with Ricky Khamis and the Ricky Khamis Team was second to none! Being a business owner, I was certain I had my work cut out for me heading into the finance portion of buying our new home. I was wrong. Ricky and his Team absolutely took over and owned the entire process ... READ MORE Gordon Newton President
Ricky and the Khamis Team always go above and beyond. They are professional and the customer service is wonderful. They are a team you can put your trust in. Highly recommend! Alex Roberts Asst VP Business Development
The Ricky Khamis team was of the highest form to help me into my VA home. From Mr Khamis and his team . Jordon, Chisand Amanda. There is Know Way I could be sitting where I am right now. To if of the Realators mine (Len Nevin) William Brinkman Butcher Block Supervisor, Ssfew t
Did a wonderful job, Thanks Chris Sherman Christopher A Sherman Buyer
Ricky and his team were very professional and personable. They were very helpful in my home purchase journey. They fought for me through some problematic circumstances to help me get my house. Without them on my team, I don't think I would be in my home today. Would recommend ... READ MORE Lori Sorrells Housewife
I would recommend Ricky and his team to anyone who was looking to purchase a new home. They were always prompt in returning calls and answering any and all questions or concerns. The entire team was great to work with. After 37 years I decided to downsize with a new home and I was ... READ MORE Anonymos
Excellent service, thoroughly explained my loan process, made the whole experience for a first time home buyer very smooth. Jose Licon Sales Rep
Ricky and the AmeriFirst team made our home buying process a very pleasant experience. They are professional, friendly, thorough, kind, helpful, and they quickly answered all of our questions. We highly recommend Ricky and his team, and would definitely use them for our next home ... READ MORE Ed Barry
Ricky and his team were absolutely amazing! Everything went smoothly and when Ricky says something will get done it gets done. Exceeded all of my expectations! I have closed at least a dozen real estate purchases over the years and Ricky is hands down the best! Joe Estes Assistant City Attorney
Ricky and his team did an excellent job from beginning to end. While we have owned a home this was our first in the state. His team kept in constant contact with us and made sure we understood every step. Home configuration changes near our closing date did not affect the teams work ... READ MORE Anonymous
Ricky and his team went above and beyond to make sure our house closed on schedule. Just talking to Ricky you can feel his passion for getting you into the right mortgage. I would highly recommend Ricky and his team. Thanks for getting us into our house. Ric Edwards
Team made the whole process such a great experience, they were there to answer all our questions. I would recommend them to anyone looking to buy a home. ( I actually told my sister as she is thinking about buying a home) Thank you to the whole TEAM!!! Esther Miller
I never wanted to be a home owner but because rents were getting outrages and my vehicle was being vandalized, we decided it was time. With the help of Ricky's team, we found a house with all we wanted for under what our rent was and got us a closing within a month. I am beyond ... READ MORE Debra and William Loomis
Working with Ricky and his team was very rewarding. Ricky is not only a professional in his line of work, but forth-right in honesty and diligence to get the job done. His positive and dedicated approach is exhibited as well in his office staff. We came to Ricky with a problem and he ... READ MORE Phil G. Busenbark Homeowner
Ricky and his team were absolutely phenomenal. Heather was exceptional. She was very patient and extremely helpful and supportive during the loan process. I highly recommend this company. Arlena Atkins Customer Service
We purchased a home recently and met with Ricky early in the process to secure a loan. The first meeting with Ricky was very, very good. He made my wife and I feel like he both knew his business and that he cared about us. During the process his team was outstanding. Chris ... READ MORE Russell Luce Head Baseball Coach
Ricky and his team were great as first time home buyers ! Helped us get all the paper work we needed were efficient in every way. I really appreciated their ability to work fast and hard to get us into our house by a certain date ! Thank you so much !! rachelle bullen
Ricky and his team at Amerifirst did a fantastic job making sure that everything went smoothly with my purchase. This is the second time I've used Amerifirst, and each time has been quick and painless. If I'm ever in a position to purchase another home, then I will definitely ... READ MORE Chris Pierro Game Designer
Ricky and his team were awesome, this was our first time experience and it was so easy. Any question we had at any time of day(literally any time of day) they were back with a quick response. I would recommend Ricky for there any next step of mine and my families lives. Thank you so much!!!!! Miguel & Jessica
Ricky and his team are awesome! They made a challenging process less painful. I am very happy with the outcome and results of buying my home with Ricky . I highly recommend that you use the great skills and special touch for your home purchase. They are thorough and kind. They exhibit ... READ MORE Quinn Thacker Educator
Ricky's entire team made the home buying process very quick and simple. The technology used made it easy to always be informed of the status of the loan process and to quickly review documents and provide necessary verifications. We will definitely use Ricky and his team again ... READ MORE Jennifer Vehonsky Partner Pallas Consulting Services, LLC
I would like to tell you about the awesome job Ricky and his team did for me and my family, I still can not believe we close within a month, the customer device they provided is priceless, They would take my calls late at night and answer my questions and help me trough the proses, a ... READ MORE Maribel Guy Maribel Guy Case Manager
Ricky and his team worked Me through some complicated credit history and through using their predictor software they were able to qualify me and get me into my dream house! His team of jordon CJ Chris and others worked with me and communicated each step along the way. Great customer ... READ MORE Dom S.
Ricky Khamis and his team did an outstanding job getting me through the whole process of buying a home. I was very impressed on how professional everybody was and how quick everything worked out with no real issues at all! I turned other people on referring them to your branch for ... READ MORE Erik Goodwin Sheetmetal Worker Safety Professional
Ricky and his team were wonderful to work with. They took the time to explain things to me, whenever I had questions, and went above and beyond to make sure everything went smoothly. I even closed almost a week EARLY! I would definitely recommend the Khamis team, and Amerifirst to ... READ MORE Jennifer Wilburn Jennifer Wilburn Buyer Assistant
I highly recommend The Ricky Khamis Team for their phenomenal service, great communication skills and always "staying above the rest" with having the right program to fit each unique buyer's needs! These together, make for a very smooth close and very happy clients and agents!! :) Amy Pikula Realtor
I would like to start off by saying I would highly recommend Ricky Khamis and his team at AmeriFirst financial I'm a small business owner I went with a different mortgage lender and it was the worst experience I've ever encountered it took over five months to try to get this ... READ MORE Michael Gurto Michael Gurto Small business owner
Ricky and team did a great job of getting everything put together. They were great communicators and I liked them all, even Chris. Unfortunately rates went in the wrong direction while we were waiting to get into the 30 day window (not Ricky's fault, outside of our control) but ... READ MORE Nathan Rust Director
After 25 years a real estate broker I can enjoy stating that Ricky Khamis is the BEST loan officer I have EVER enjoyed doing business with. I recommend to my clients to contact Ricky and from there it is "poetry in motion" as he and his very professional team take the ... READ MORE Richard Hanten Designated Broker - Devstar Realty
As a first time home buyer, I was TERRIFIED. Then, I was introduced to AmeriFirst. They have answered my 1000 questions right away and made this process simple. I never thought it would have been this easy. Thanks a lot Ricky! David Shrode Superintendent
Ricky and team were fabulous! They helped me close on a house in two weeks so that I could take advantage of a year-end opportunity, which reduced the amount of the house I was buying. Well done! Lynda Godkin Homeowner
Ricky did fantastic job securing me financing for my home purchase. Being from Colorado and buying a home in Arizona, I didn't know what to expect. Ricky was so knowledgeable in the Arizona law and he took the time to make sure that I understood all phases of the financing. All his ... READ MORE Mike Sodikim USPS Carrier
Ricky and his team did an excellent job with getting me in the right program and getting me financing with nothing out of my pocket!! They worked with me and asked me if I needed help finding another realtor when my first one was made some huge mistakes that could have cost me a lot of ... READ MORE Denelle Teten
Recently I downsized my home in Mesa, Arizona. At the time I started the process I was working with the lender originally used to purchased the home I was selling. However, the realtor listing my home for sale suggested I let Ricky Khamis run the numbers for the new purchase. I did, ... READ MORE Diana Gabriel
Ricky made the process of getting a mortgage seamless. He remained in contact and explained the process every step of the way. He even got me approved for a VA loan which I never even thought about until meeting with him. I highly recommend Ricky Khamis. Michael Conn Home Buyer
Ricky and his team went above and beyond for me and my family in qualifying us for our home. He made it a very pleasant and knowledgeable process and always kept us informed with up to date information on the closing of our property . We will definitely be advising our friends and ... READ MORE Sean Walker State Director
Ricky and his team were top notch! They were very easy to work with and got us the best deal possible, even better than a large well known portfolio banking institution. I would highly recommend them to anyone in the market for a home loan. You can trust them, they're the best ... READ MORE Rob Mannino Project Manager
I would highly recommend Ricky and his team with Amerifirst. I have worked with them on many transactions. They are always in constant communication throughout the transaction with both me and my clients. My primary points of communication are CJ Nelson and Chris Arbuckle. They close ... READ MORE Fabie Ehle Lead Buyer Agent
I have to say that Ricky Khamis and his team are great!! They are always quick to answer the phone or emails when questions arise or I have a new client that needs financing. Even answering while at a sporting event, Go Cardinals!! Gina Petershagen Gina Petershagen Realtor
I have only the highest regards for Ricky Khamis and his entire team. I was so fortunate to have found Ricky for my recent home purchase. As my Realtor, Ricky helped me find the right house in the right neighborhood for the right price. He was patient as I set many appointments to look ... READ MORE Vincent Leone Vincent Leone Home Buyer
Ricky walked us through the whole process, from deciding to buy all the way through receiving our keys to the new place! We would highly recommend him. Jesse Whitley
Securing financing for my home through AmeriFirst was the most enjoyable home-buying experience I've ever had. The mortgage processors were courteous and professional throughout the process. They took the time and care to make sure each step of the process was explained in ... READ MORE Barbara Smith Manager Major Business Applications
Ricky and his staff were most knowledgeable, courteous, and eager to make me at ease in this my very first home purchase. Anonymous
I have worked with Ricky and his team for many years and recommend them to all my clients from first time buyers to seasoned investors. Ricky is very thorough and I know if I have a prequal from him, I can write an offer with confidence knowing it will close. He even took a loan over ... READ MORE Marc Slavin REALTOR

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