Military & Veterans

Ricky's story

Ricky Khamis is a veteran of the 82nd Airborne Division, pictured above during desert training in Death Valley, California. He has devoted his life to helping others, especially active and former military. Following his career as an Infantry Soldier and 249 S.A.W. Gunner, he was tapped to manage Bally Total Fitness in Mesa, Arizona, where he was the top General Manager out of 330 clubs. Business management proved successful, but Ricky still wanted a career that would let him give back to his community while making time for his family. At the recommendation of a close friend, he entered the mortgage industry in November 1999 and never looked back.

VA loan advantages

• 0% down payment on purchases
• No monthly mortgage insurance
• Competitive rates and flexible credit guidelines
• VA cash-out and IRRRL streamline refinances
• Ricky personally works VA files

What you get

• Reduced lender fees on purchase and refinance loans
• Access to VA, FHA, conventional, and down payment assistance programs
• Partner Realtor and title discounts where available
• Priority turn times and a dedicated point of contact