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State License: AZ #911814

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.

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Ricky Khamis Mortgage Mapp App

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.

See what people are saying about us

The team was very helpful and the process was super easy. Ricky is a great guy to work with, Shep Bryan
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. Jeffrey Grossinger
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. Robyn Lynne Brown
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... Ben Gutierrez Just a dude
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 ... READ MORE Tj Perez
We put off refinancing our home for months because we didn’t want to deal with the headache... if we would have known that working with the Khamis team would be this easy we would have done it much sooner! Thank you Ricky and team for making the refi process easy and headache free. Kristi Bremer
We highly recommend this company. We have worked with them before. They provide excellent service, are very helpful, and make the usual frustrating and time consuming job of arranging a home loan a more pleasant experience. Susan and Larry Erikson
Excellent communication and very efficient. We we're glad we went with Ricky. Couldn't have had a better experience. Thanks Ricky Earl Howard Jr. Earl Howard Jr. Owner Sonny's Roofing Company
The rates are good. The process was detailed. Reliable company, I recommend. Vera Scientist
Ricky Khamis and his team were great!!! This was my first home purchase and they took care of everything and any questions I had got answered. There were a couple hiccups down the road that delayed the closing date but all and all they did a fantastic job!!! Robert Kurian First home buyer
Ricky and Jordan went above and beyond. You will not find a better rate, trust me. They are truly there to help and are NOT all about making money off of you like the competition. They are true to their word and now have a faithful customer for life. Thank you Ricky, and Jordan! Tony Echiverri
Ricky Khamis was super helpful in getting our mortgage funded in record time. It would not have been possible without the "rush" work he and his team did. Thank you Ricky. David Nelson
Ricky and his team did a great job on my loan to buy a new home. They exceeded my expectations on every level and I have worked with a lot of lenders as I have been in real estate for over 20 years! I would highly recommend Ricky, and do, and consider him a very important part of my team. Stephen Caruthers Stephen Caruthers Realtor
Ricky was the most efficient loan officer we have ever dealt with! Joe McDaniel
I think the Khamis group did everything possible to make the loan. They were accommodating. Michael Peter Kraushaar Retired
Simply put, I love working with Ricky! I love his background and his service to our country, I love his passion to connect with and keep informed real estate professionals like myself, and he always gets myself or my clients the best deal! He’s got a fantastic, responsive team ... READ MORE Chris DeGhelder Chris DeGhelder RN, Realtor
This is not the first time I have contacted Ricky Khamis for my refinancing needs. The service I receive is top notch. If I ever was to refi again, Ricky will be my choice for the service. Teresa Shaw Homeowner
Ricky and his team did an outstanding job of processing my loan and providing superior service. Special thanks to Michael Penka who was faithful with always staying in touch and answering many questions. He was always patient and provided assurance that the loan would be funded to ... READ MORE Russ Davidson Mission Assurance Manager
The professionalism is what blew me away. Ricky and his team were spot on when it came to handling my mortgage application. Whatever they said they were going to do, they did. Error free. I've never had a better experience with other lenders. I highly recommend Ricky. If you need a ... READ MORE John Rozak Director of Operations
Very easy process for a refi, every interaction with the team was professional. I would highly recommend for any mortgage needs. Thank you Heath Ludwig
★ ★ ★ ★ ★ Mr. Ricky Khamis is a great manager in Amerifirst Financial Inst. if you’re looking for a home mortgage lender, please, contact him, Ricky is very professional, helpful, organized & knowledgeable. Ricky, Thank you very much for a job VERY WELL DONE! ... READ MORE Sam Solomon
Mr. Ricky Khamis is a great mortgage lender, very professional, helpful, organized & knowledgeable. Ricky, Thank you very much for a job VERY WELL DONE! We’re appreciate your overall concern, professionalism, and everything that went into. We love our new home! We look ... READ MORE Anonymous
If you are looking for a lender to make purchasing a home a breeze, look no further. Ricky and his team were always available to answer any and all of my questions either by phone or email. I was never left feeling like I didn't know where I was in the process, or if there was ... READ MORE Jamie Hinchey
Twice in two years The Khamis Group has enabled me to do two things that I was not sure could be done in my circumstance. Friendly, competent and trustworthy all the way. Thank You Ricky Khamis Group!!!!!!!!! Jeff Corn
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 ... READ MORE Ericka Lassiter Ericka Lassiter Realtor
Provided us a very low interest rate and closed early! Ginny Hewitt
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 ... READ MORE Victor S Field Service Engineer
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! Jeremiah Partridge Jeremiah Partridge UA Pipefitter
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 ... READ MORE Franklin Whitman Franklin Whitman Buyer
IiI was pleased with the entire process. Very professional and the entire experience was a positive one. Harold Gonzales Retired
Very professional. Would use them again. Michael Freiwald Homeowner
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 ... READ MORE Jason Tulo Union Sheet metal worker
This is my first time ever buying home but I feel like it couldn’t of been through anyone better !!! Luke partridge Luke partridge Assistant manager
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 ... READ MORE John Brady Executive Sous Chef
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 Aaron Forquer Foreman
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. Cody Williams
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 ... READ MORE Len Nevin Owner | Loyalty Home Group at eXp Realty
Consulate professional. Ricky gets the job done while communicating all the way through the process. Top notch lender! Marty Sandoval RE Agent
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 ... READ MORE D Smith
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! Ryan Holliday Semi Conductor Product Specialist
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 ... READ MORE Jeromy Mitchell Senior Staff Manager Costco Wholesale
Ricky did more at a time when things were very critical in the country. His total professionalism is beyond reproach. Kerry Liggins Limo driver
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! Peter Skiba
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. Stephan maness Stephan maness Oil industry
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. Jan Strauss
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 ... READ MORE Len Bernstein Senior Management Consultant
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 Greg Klosinski General Manager
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

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