Home financing, done right the first time.
Purchase, refinance, and specialty loans from a team that answers the phone, tells you the truth, and closes on time. Led by Ricky Khamis, President of EPiQ Lending.
How we work
No call centers. No handoffs. One team from first call to keys.
How much do you qualify for?
Sixty seconds. No credit pull. A real loan officer replies, not a robot.
How can we help?
Buy a Home
See how much you qualify for in today's market and get a pre-approval that sellers take seriously.
Get started →Refinance
Lower your rate, shorten your term, or take cash out. We'll tell you if it doesn't make sense.
Get started →Today's Rates
Rates move daily. Get a real quote built on your scenario, not a teaser number.
Get a quote →Ask a Question
Mortgage or real estate question? Ask a licensed professional and get a straight answer.
Ask now →Every path to the keys.
Purchase, lower your payment, take cash out, or consolidate debt. If there is a program that fits, we have it. If there isn't, we'll tell you what to fix and how.
View all loan programsConventional Loans
Flexible terms, competitive rates, and low down payment options for well-qualified buyers.
Learn more →FHA Loans
Government-insured financing with 3.5% down and flexible credit guidelines.
Learn more →VA Loans
Zero down, no monthly mortgage insurance, and competitive rates for those who served.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced Arizona homes.
Learn more →FHA 203k Loan
Buy and renovate with one loan. Purchase price plus repairs, one closing.
Learn more →Mortgage Refinance
Lower your rate, shorten your term, or turn equity into cash.
Learn more →Down Payment Assistance
3.5% or 5% of the purchase price toward your down payment and closing costs.
Learn more →All In One Loan
A first-lien HELOC that lets your income pay down principal every day. Run the simulator.
Learn more →Physician and Doctor Loans
Up to 100% financing with no mortgage insurance for MDs, DOs, dentists, veterinarians, pharmacists, CRNAs and nurse practitioners. Qualify on a signed employment contract before your first paycheck.
Learn more →Self-Employed and Bank Statement Loans
Qualify on deposits, a third-party profit and loss statement, or one year of returns instead of two. Built for business owners whose tax returns understate what they actually earn.
Learn more →DSCR Investor Loans
Qualify the property on its rent rather than your tax returns. No personal income, no debt-to-income ratio, and no added reserves for the rentals you already own.
Learn more →Asset Based and No-Income Loans
Turn a portfolio into qualifying income without selling anything. For retirees, buyers after a business sale, and anyone whose wealth does not look like a paycheck.
Learn more →
From the 82nd Airborne to the top of the mortgage business.
Ricky Khamis joined the mortgage industry in 1999 and has been a top producer at every stage since, from Loan Officer Assistant to National Business Manager to President of EPiQ Lending. Author of Just Win The Day, host of the Life Mastery Unleashed podcast, husband, father of five.
We love our clients. Our clients love us too.
“Ricky is absolutely best-in-class. In my refi process, he was always available, responsive, and worked with a sense of urgency to execute. He delivered on his promises and was enjoyable to work with through the process. He gets my complete endorsement!”
“Very professional experience. Ricky and his team are dedicated to making sure you understand each step of the process and help make it a smooth as possible. Truly an experience like it should be. Thanks Ricky and Team.”
“I highly recommend Ricky and his team to anyone interested in buying or refinancing a home. They are able to guide one throughout the process, making it a positive experience for all involved. Don't hesitate to call Ricky!”
“I have been with Ricky Khamis for many years, he is always there with understanding on what I am wanting in my mortgage needs and concerns and has ALWAYS provided the best service. I would not feel good using anyone else as trust is a hard thing to build but once you have it, there's no need to go elsewhere. He gets the job done with knowledge, commitment, confidence, in a timely manner and integrity.”
“Ricky and his team are a great asset to our Real Estate Practice. They provide all the necessary finance programs available in today's market along with exceptional knowledge and customer service! Our clients love working with Ricky and his team!”
“The Ricky Khamis team always goes above and beyond to get transactions done in a timely manner. I would highly recommend his team!”
Straight talk on Arizona mortgages.
How to Choose a First-Time Buyer Lender in Scottsdale (And Why It Decides Your Deal)
New Condo Loan Rules for 2026: What Every Buyer, Seller & Agent Needs to Know
Your Loan Has Officially Started
What are you waiting for?
Getting started is easy. Apply online in minutes or book a call with Ricky's team.
