The Ricky Khamis - Epiq Lending Team

Your premier mortgage lender located in Gilbert, Arizona. Our highly experienced loan officers take pride in finding each of our customers the lowest rates available for their home financing needs.


See how much you qualify for in today's market.


We can help you lower your rate or take cash out.

Today's Rates

See if the time is right for you to purchase
or refinance.

Ask A Question

We can answer your mortgage related questions.

What are you waiting for?

Getting started is easy!

Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

VA Loans

Conventional Loans

Home Refinance Loans

Jumbo Home Loans

Home Purchase Loans

We love our clients, our clients love us too!

Facebook 5 star

Kenny K.

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

Facebook 5 star

Michael G.

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!

Facebook 5 star

Teresa S.

I have been with Ricky Khamas for many years, he is always there with understanding on what I am wanting in my moragage 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.

Facebook 5 star

Jesse H.

Ricky and his team are a great asset to our Real Estate Practice. They provide all the necessary finance programs available in todays market along with exceptional knowledge and customer service! Our clients love working with Ricky and his team!

Facebook 5 star

Steve A.

The Ricky Khamis team always goes above and beyond to get transactions done in a timely matter. I would highly recommend his team!

Albert Smith

When all the other lenders said no!, Ricky Khamis said "we can do this!" I had been turned down for one reason or another from a few different lenders. My situation was challenging. I was on the verge of giving up but Ricky, along with his partners restored my faith in the lending process. He kept me informed of what was happening in the process and was always honest and up front. He was so reassuring I honestly thought he was pulling my leg! I was wrong. He did exactly what he said he was going to do. He succeeded and getting my loan closed, when others failed. I will definitely use him again for any future lending needs I have.

Lino E Vargas

Ricky and his crew where awesome. They answered every question I had in a timely manner. This home purchase was made easy because of them.

Kristina Contreras


Ricky and his team, Austin and Sarah, were great throughout the loan and home buying process. They were knowledgeable and responsive, and made necessary adjustments to the loan and interest rate figures before and during escrow. I would highly recommend using Ricky for future loan needs.

William Newing

I first met Ricky through my Realtor, Stephen Horn. Together these two are a power house. Not only did they protect my financial interests throughout negotiations with counter agents, Ricky provided a helping hand so that my closing concluded smoothly. Look forward to growing our portfolio of Real Estate investments with the support of such professional, empathetic, and proactive Teams.

Kelly Gabler

Ricky is a phenomenal partner! He has been assisting my Buyer Clients with their home purchases and just did the same for me on my own home purchase. He always takes excellent care of my Clients and this time, I was able to experience his expertise first hand. Highly recommend Ricky!

Kelley Norton

Ricky and team are absolute rockstars! Keep you updated and always looking for a solution or the best opportunity for their clients. 5 STAR ALL THE WAY

Lorenzo Fuentes

From our very first phone call with Ricky and Austin we felt comfortable and confident. Ricky’s team was very knowledgeable and help in every step of the way. My wife and I are grateful for all the time, energy and care that was put into our home buying process.

Ann Atkinson

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!