Ricky Khamis Activerain Confirmed Loan Officer

About Us:

All About Ricky Khamis and his Winning Team

About me

Ricky Khamis was born and raised in Phoenix, Arizona. After four years with the 82nd Airborne Division, stationed at Fort Bragg North Carolina, he decided to return to his home state, start a family and a career in the business world. Ricky began his career in the mortgage industry in 1999. He quickly moved up the ranks and opened his own branch office under Great Southwest Mortgage. Because of his business savvy and true desire to help people he earned a Certified Mortgage Planning Specialist designation. This proved instrumental to his success, at a time when some loan officers in the industry were approving loans with less discretion, Ricky was ensuring that his clientele were truly prepared for their new debt. CMPS originators embrace the highest levels of integrity and possess a greater degree of financial knowledge and expertise related to tax and financial planning and real estate investment strategies. Therefore, as a CMPS professional he can better advise you when it comes to:

• Your single largest debt - mortgage
• Your single largest asset - real estate equity
• Life Planning needs and goals - cash flow

Ricky has ranked among the top 10% of his loan officer peers throughout his career due to the unyielding desire to help families own a home, and successfully manage that obligation to build long term stability and wealth. He has managed and coached dozens of loan officers and support staff and continued to produce at the highest levels, earning a spot as Platinum Producer, an honor reserved for only a few in his previous company. In addition to his CMPS designation, which requires 40 hours of continuing education each year to stay in tune with the changes in federal and state law, taxation and financial planning, he has also obtained his life and health Insurance license in order to better understand his client's overall financial needs. In 2008, Ricky made the decision to join the NOVA Home Loans team following the "mortgage meltdown". There he found similar success minded, passionate professionals who find great fulfillment in providing exceptional service and the most extensive array of loan programs in the market.

About My Family

I am married with 5 children, my wife DeShawn is without a doubt the love of my life and a major reason I do what I do. DeShawn came to the marriage with two beautiful children Jalen who is now 14 and a star athlete in baseball and Aryana who is 11 going on 20! on the #1 Cheer squad in the state of Arizona, she by the way is #1 on the team. I came to the marriage with one beautiful baby boy Austin who is a Black Belt in Kenpo karate with numerous 1st place trophies from competitions around the country and is also 11. Her and I brought the family together with 2 baby boys, Drake who is 6 and Kaden who is 4. We love to travel to new exciting places, but our favorite is Walt Disney World in Florida.

Areas of Expertise

What does it mean to be a CMPS

Statement of Commitment:
In delivering mortgage planning advice to home owners, home buyers and real estate investors, CMPS members are committed to:


1. Ask questions and listen to our clients in order to fully understand their needs.

2. Create mortgage solutions that complement our clients' overall financial strategy, and allow them to most effectively accomplish their short and long term financial goals.

3. Be sensitive to the fears that many homeowners have about obtaining a mortgage loan and earn their confidence as a trusted advisor.

4. Respect our clients' time and minimize the amount of effort required of them by applying our knowledge, experience, and resourcefulness.

5. Use state-of-the-art technology to complement our customer service, making adjustments when necessary to avoid overwhelming our clients who are less technically proficient.

6. Communicate regularly and proactively with our clients to keep them informed of the status of the loan and to reduce the stress that is associated with uncertainty.

7. Ensure smooth, on time closings with anticipated costs and terms.

8. Provide our clients the luxury of home loans in the future with little effort on their part, by means of an Annual Mortgage Review.

9. Measure our success by our client's willingness to confidently recommend us.

10. Take full responsibility for our actions and be honest at all times.

11. Seek to improve the quality of service we provide by encouraging each client to critically evaluate our performance.

Testimonials

Working with Ricky Khamis and his team was not only refreshing but very informative.

They handled my mortgage quickly and efficiently but more than that their expertise and knowledge helped me plan my future mortgage plans including investments. I am very confident that Ricky and his team will be a very important part of our life in wealth building and helping many of our friends and clients. Thank you American Discount Mortgage, Inc. for your commitment to excellence.

Keith Rushing

_________________________________________________________________________________________________________________

Ricky Khamis has excelled in his lending solutions over the years. He has continually given exemplary customer satisfaction. He communicates better than any lender I have worked with and is always on task with getting loan document in a timely manner. Ricky has consistently stayed at the ahead of the curve with all of the constant underwriting changes. Working with Ricky Khamis has been a seamless fit for nearly 10 years with my buyers.

Erik Walbot, President

The Walbot Group

__________________________________________________________________________________________________________________

Re; Ricky Khamis
Ricky is my lender of choice because he takes the best care of my clients, which I cherish.
He is extremely knowledgeable in the industry and can help all ranges of my clients with their diversified needs.
I find him to be accessible and responsive which is mandatory in our business.
I appreciate that he has the technology to take applications and process and maintain all my clients files online and secured, and still maintain personal contact.
Ricky introduced me to Activerain, which I use to send messages to my constituency, when I have information to share, that I feel will be a benefit to the community..
It is an awesome venue.
Respectfully;

DJ Khamis, Realtor

__________________________________________________________________________________________________________________

"I have worked with Ricky for 4 years. He understands that if I succeed-he succeeds! His busiess model starts with the premise that helpful relationships with borrowers and Realtors come first and profit is a bi-product of those relationships-not the other way around. In my 21 years as a real estate professional, I have never worked with a mortgage professional more devoted to getting the job done, this guy doesn't stop! Ricky Khamis is my Lender of Choice." How's that bub?

Bart Mahrer

Ventana Fine Properties

20865 N. 90th Place Suite 200 Scottsdale, AZ 85255 480-363-4909 Direct 480-538-2124 Office 480-538-5451 Fax

___________________________________________________________________________________________________________________

TO WHOM IT MAY CONCERN:

Re: Ricky Khamis

Senior Loan Officer

Nova Home Loans

Mr. Khamis has been our Preferred Lender for a number of years - starting

with Realty Experts with over 500 agents - with a large number of agents at

any given time needing fast service on pre-quals to the loan process and

closing - and the endless number of phone interactions with each one. He

has his Office Team set up to be able to perform the high number of files

with very high agent satisfaction.

His Referral Base continues to grow with direct referrals from 1. Previous

successful closings with our agent's buyers and 2. "picking up the pieces"

of files that have "crashed and burned" because of inept performances from

original lenders - and getting the buyers approved and closed.

We truly appreciate the increased number of Closings we have as a direct

result of Mr. Khamis' handling the loans.

Regards,

Richard Hanten

Designated broker

Devstar Realty

___________________________________________________________________________________________________________________

I am writing this letter of recommendation in support of Ricky Khamis.

Ricky serves as the preferred lender for Devstar Realty, and in that capacity has deservedly earned the highest confidence and trust of our agents. Ricky demonstrates a commitment to ongoing personal development which he in turn utilizes to keep Devstar's agents informed. As my preferred lender, Ricky applies all his profession expertise to counsel buyers in the selection of the loan product that best fit their life circumstances and future plans. Ricky is also exceptionally committed to the application of the highest ethical standards. I find Ricky has a gift of making the myriad complexities of lending understandable and making our clients feel comfortable. As a partner, Ricky is hardworking, responsive and congenial. For these reasons, I enthusiastically recommend Ricky Khamis to any one and all.

Regards,

Hazel Rael, BBA, MA

CRS, GRI

Devstar Realty

8989 E Via Linda, Suite 214B

Scottsdale AZ 85258

480.455.8003 Direct

480.320.4070 Fax

hrael@cox.net