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Ricky Khamis - Certified Mortgage Planning Specialist

Your mortgage is most likely your single largest debt, and your home is most likely your single largest asset. The strategy you use today carries financial consequences that can impact your life for years to come. As a Certified Mortgage Planning Specialist (CMPS®), I can help you answer these questions:


Should I rent or buy a home?
How much of a down payment should I use when purchasing a home, and what are my options?
How much should I budget for my monthly housing expenses, and what if I budget less or more?
How will my mortgage decision impact my ability to help my children pay for college?
How will my mortgage decision impact my ability to help take care of my elderly parents?
How will my mortgage decision impact my ability to retire within a budget and timeframe that works for me?
How will my mortgage decision impact my monthly cash flow situation?
How will my mortgage decision impact my financial ability to save money for the future?
How will my mortgage decision impact my ability to manage and reduce my debt in a timeframe that works for me?
Should I purchase real estate for investment purposes?
What mortgage strategy should I use when buying a vacation home or investment property?
How can I improve my credit score?
How can I better manage my cash flow before, during and after a major career or life change?
How can I work with a mortgage professional who is committed to higher standards of competence, ethics, and communication during the home buying and refinancing process?

Contact me so we can get started!
AmeriFirst Financial, Inc. All Rights Reserved AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).AmeriFirst Financial, Inc. NMLS # 145368 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 NMLS #145368 AZBK 0013635 1-877-276-1974 Copyright © 2019

Not intended for legal or financial advice. Consult your own professionals if such advice is sought. NMLS Nationwide Mortgage Licensing System & Registry Consumer AccessHUD Fair Housing & Equal Opportunity.

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Learn more by calling 1-877-276-1974, or
AmeriFirst Financial, Inc. 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright © 2019 AmeriFirst Financial, Inc. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst is required to disclose the following license information: Click Here for

State License Type and License Number Agency
Arizona Mortgage Banker License #0013635 http://www.azdfi.gov/
California DBO Residential Mortgage Lending Act #4130901 http://www.dbo.ca.gov/
California DBO Finance Lender and Broker License #60DBO-46134 http://www.dbo.ca.gov/
Colorado Mortgage Company Registration #145368 http://www.colorado.gov/
District of Columbia Mortgage Dual Authority License #MLB145368 https://disb.dc.gov
Florida Mortgage Lender Servicer License #MLD1330 http://www.flofr.com/
Georgia Mortgage Lender License/Registration #54406 https://dbf.georgia.gov
Idaho Mortgage Broker/Lender License #MBL-9102 http://www.finance.idaho.gov/
Indiana First Lien Mortgage Lending License #24513 http://www.in.gov/dfi/
Kentucky Mortgage Company License #MC377642 http://kfi.ky.gov/Pages/default.aspx
Minnesota Residential Mortgage Originator License #MN-MO-145368 https://mn.gov/commerce
Nebraska Mortgage Banker License https://ndbf.nebraska.gov/
Nevada Mortgage Broker License #4437 http://mld.nv.gov/
New Jersey Residential Mortgage Lender License #145368 http://www.state.nj.us/dobi/index.html
New Mexico Mortgage Loan Company License #145368 http://www.rld.state.nm.us/
Ohio Mortgage Broker Act Certificate of Registration #MB.804253.000 http://www.com.ohio.gov/fiin/
Ohio Mortgage Broker Act Certificate of Registration #MB.804253.000 http://www.com.ohio.gov/fiin/
Ohio Mortgage Loan Act Certificate of Registration #SM.502019.000 http://www.com.ohio.gov/fiin/
Oklahoma Mortgage Lender License #ML010579 http://www.ok.gov/okdocc/
Oregon Mortgage Lender License #ML-5518 https://dfr.oregon.gov/pages/index.aspx
Tennessee Mortgage License #119537 http://www.tennessee.gov/tdfi/
Texas SML Mortgage Banker Registration #145368 http://www.sml.texas.gov/
Utah DRE Mortgage Entity License #6594017 http://www.realestate.utah.gov/
Washington Consumer Loan Company License #CL-145368 http://www.dfi.wa.gov/
Wisconsin Mortgage Banker License #145368AB http://www.wdfi.org/
Wyoming Mortgage Broker License #145368BR http://audit.wyo.gov
Wyoming Supervised Lender License #SL-3858 http://audit.wyo.gov




AmeriFirst Financial, Inc. 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203. (NMLS # 145368) 1-877-276-1974. Copyright 2018. All Rights Reserved.





This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply.

AmeriFirst Financial, Inc. is required to disclose the following license information.

CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act.

CO: Regulated by the division of Real Estate

TN: AFI Mortgage, a division of AmeriFirst Financial, Inc., is not affiliated with or provided by a bank, S&L, savings bank, or subsidiary, or affiliate of any such entity.

TX: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department's websitedepartment's website. Texas Mortgage Banking Disclosure DOWNLOAD. A toll-free consumer hotline is available at 877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. Written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the