Ricky Khamis's Blog: Protect Your Transaction Loan Commitment Program


Protect Your Transaction Loan Commitment Program

Arizona Protect Your Transaction Mortgage Home Loans



Protect Your Transaction is a quality assurance program that provides all transaction parties with confidence that the Buyer's offer is pre-approved with Ricky Khamis, Certified PYT Lender and Ricky Khamis, Branch Manager with Amerifirst Financial, Inc. is committed to the loan. As a PYT Lender Ricky Khamis provides the follow promises:

  • Lender will pay UP TO $10,000 in the event they fail to deliver on their loan commitment
  • Lender will issue a loan commitment on or before the 15th day from the complete mortgage loan application
  • Lender will provide communication and documentation during the loan process


In a home purchase transaction there are two primary parties, the Seller and the Buyer. Both parties make major commitments in a home purchase transaction.

  • Sellers agreed to turn-down other offers and may be buyers of a new home that depends on the sale of its current home. Additional months of mortgage payments and uncertainty when transactions do not close represents thousands of dollars and hardship.
  • Buyers may be selling their current homes, given notices to their landlords, hired moving vans, researched new schools... a lot is riding on making sure their home purchases close.

Basically, everyone wants to feel confident that the transaction will happen. When a Lender makes a commitment to finance the Buyer's purchase, that commitment needs to be one that all parties can trust. What happens when the Lender does not deliver on their commitment? Sellers and Buyers are left to pick up the pieces and the Lender... they move on to the next transaction. 

Protect Your Transaction was created to make sure the Lender has 'skin in the game' and committed to the transaction.


For detailed information call 1-888-301-2908




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Ricky Khamis
NMLS 173141 | LO-0911814 | CA-DOC173141
Branch Manager | Corporate Office
Arizona and California CE Instructor

Email: Rick@amerifirst.us

480-344-1900 office
602-758-7425 mobile
480-339-1615 fax

NMLS 145368 

1550 E. McKellips Rd, Suite 117
Mesa, AZ 85203


Amerifirst Financial Disclosure-  The opinions expressed here are the personal opinions of Ricky Khamis.  Content published here is not read or approved by Amerifirst Financial before it is posted and does not necessarily  represent the views and opinions of Amerifirst Financial.

Comment balloon 3 commentsRicky Khamis • September 30 2014 11:40AM


Ricky Khamis Sounds like a very good program. How many times have you had to come up with $10K?

Posted by Margaret Rome Baltimore 410-530-2400, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) about 5 years ago

Margaret Rome, Baltimore Maryland one time so far and WOW what a story it was!  It will be airing soon...

Posted by Ricky Khamis, NMLS 173141 | CADOC 173141 - 480-339-1565 (Amerifirst Financial, Inc. (NMLS #145368)) about 5 years ago

Looking forward to that story!

Posted by Margaret Rome Baltimore 410-530-2400, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) about 5 years ago