Ricky Khamis · Certified Mortgage Planner · President, EPiQ Lending · Since 1999

Keep the lenders you trust. Call me for the deal they can't get done.

Since 1999, Ricky Khamis has helped buyers, investors, and real estate professionals close transactions that didn't fit inside the box. As President of EPiQ Lending, he brings decades of lending experience, executive-level resources, specialized financing strategies, and modern business-development support to top-producing Realtors.

Put a Difficult Deal in Front of Me See Why Top Producers Add Ricky
Ricky Khamis, President of EPiQ Lending
Airborne discipline. Executive authority. 25+ years of funded files.

A rate sheet can tell you the price of a loan.
It cannot tell you how to save a transaction.

You don't need another lender sending market updates and asking for coffee. You need someone who protects difficult transactions, sees problems before they become emergencies, and brings strategies your wealthiest clients haven't heard yet.

The Objection

"I already have great lenders."

Good.You should.

I'm not asking you to disrupt relationships you've spent years building. Strong lenders earned their spot on your team. Keep them.

I'm asking a different question: where is the gap? Because every bench has one.

You don't replace a strong member of your team without a reason. I'm not asking you to. I'm asking you to give me the transaction that requires something different.

  • The declined buyer — turned down by another lender before anyone reviewed the complete file.
  • The sophisticated investor — who needs structure and strategy, not a conventional quote.
  • The wealthy client — who may be better served by an All-In-One strategy than a traditional mortgage.
  • The unusual property — manufactured home, group home, assisted-living facility, or multifamily deal.
  • The closing under pressure — the file that needs senior-level attention, today.
  • The neglected database — thousands of paid-for leads nobody is working consistently.
  • The growth conversation — a lending partner who contributes to your business, not just your closings.
The Record

Judgment you can't shortcut. Pattern recognition you can't fake.

Ricky Khamis entered the mortgage business in 1999. He has worked through every credit cycle, housing correction, rate environment, and market panic since — and kept closing through all of it.

Thousands of funded files build something no marketing budget can buy: the ability to look at a difficult scenario and recognize the way through, because he's seen the pattern before.

As President of EPiQ Lending, he doesn't escalate your file to leadership. He is leadership — with the lending relationships, operational influence, and authority to put the right people on a transaction fast.

1999In the business through every cycle since
~200Closed loans per year, career average
PresidentEPiQ Lending — authority, not escalation
82ndAirborne Division — discipline, urgency, accountability

He's also a national speaker and high-performance leadership coach. Sales systems, database conversion, recruiting, accountability, follow-up — he works on the whole business, not just the loan.

Ricky Khamis, executive portrait
Ricky Khamis — President, EPiQ Lending. Mortgage professional since 1999.
Case Files

When the easy answer doesn't work, the file comes here.

Two examples of what decades of experience actually look like under pressure. Details are simplified to protect client privacy. Past results don't guarantee future outcomes — but they do tell you who to call.

File 01 — Experienced Investor / Declined 3× Funded · Day 4

Three lenders said no. We funded it in four days.

One difficult transaction became four funded loans — and a completely different level of trust.

An experienced real estate investor needed financing. His personal bank couldn't get it done. Two mortgage brokers tried next — neither could close it. Even the Realtor on the deal trusted their own loan officer completely: "If my lender can't do it, nobody can."

Then the file reached Ricky.

He didn't force the borrower back into the same structure three other lenders had already tried. He analyzed the complete financial picture, identified a workable path, assembled the right team, and moved. The loan funded in four days.

That wasn't the end. Within weeks, Ricky funded three more transactions for the same investor. Not because the other lenders were incompetent — they weren't. Because experience, resources, and authority let him see a solution they didn't.

  • Attempt 1

    Personal bank — unable to structure the deal.

  • Attempts 2–3

    Two mortgage brokers — both unable to close.

  • Day 1

    File reaches Ricky. Full-picture analysis, new structure identified.

  • Days 2–3

    Right team assembled. Documentation and execution plan in motion.

  • Day 4

    Funded.

  • Following weeks

    Three additional transactions funded for the same investor.

What this proves: experience under pressure · creative but responsible problem-solving · speed · access to multiple lending solutions · fluency with sophisticated investors · results after three institutions passed
File 02 — First-Time Buyer / Builder Decline / 14 Days to Close Closed on time

Declined by the builder's lender. Two weeks on the clock.

A structure problem is not an eligibility problem. Knowing the difference saves deals.

A first-time homebuyer believed they were ready — then the builder's preferred lender declined them. The home was in motion. Closing was roughly two weeks out. The buyer was discouraged, the agent's commission was exposed, and everyone was running out of time.

Ricky went back to the beginning of the file. He identified why the original financing failed, restructured the loan correctly, built a clear documentation and execution plan, and worked directly with every party to keep the transaction moving.

Approved. Closed on time. Keys in hand — for a buyer who had nearly been told they couldn't purchase at all.

Another lender's decline is not the final answer until the complete file has been reviewed. Ricky can quickly separate a truly ineligible borrower from a borrower whose loan was simply built wrong. Every rescued transaction protects a client, a family, an agent relationship, and a commission.

  • Day 0

    Builder's preferred lender declines the buyer. ~14 days to closing.

  • Days 1–2

    Complete file review. Root cause of the decline identified.

  • Days 3–5

    Loan restructured correctly. Documentation plan executed.

  • Days 6–13

    Direct coordination with agent, title, underwriting, and builder.

  • Closing day

    Approved. Funded. First-time buyer gets the keys.

Straight talk: Not every declined loan can be rescued, and all financing remains subject to applicable program requirements and final approval. But every difficult file deserves a complete, experienced review before someone gives up.
Range

If it's real estate, he's probably financed it.

Straightforward files. Difficult files. Unusual income. Complex ownership structures. Time-sensitive closings. Investor portfolios. Transactions other lenders didn't know how to structure. Across the property spectrum:

Single-Family HomesThe everyday backbone — thousands of them, done right.
Manufactured HomesProperties many lenders avoid because they don't know the guidelines.
Investment PropertiesFrom first rentals to full investor portfolios.
Group HomesSpecialized use, specialized structuring.
Assisted-Living FacilitiesCare-based properties with real complexity.
MultifamilyIncluding a 20-unit apartment complex.
Complex OwnershipEntities, trusts, partnerships, unusual income.
Deadline DealsClosings that need urgency without chaos.
Specialized Strategies

Tools most loan officers can't bring you.

Strategy — The All-In-One Loan

Your wealthiest clients may not need a traditional mortgage.

The All-In-One Loan combines home financing with a transactional banking structure. In plain English: qualified borrowers may be able to direct income and available cash flow against their loan balance as it moves through their financial life.

That can reduce the average daily principal balance — which may reduce interest expense over time — while funds remain accessible, subject to the loan's terms and available credit.

Who is this for? Borrowers with strong, consistent cash flow who want their money working harder. It gives sophisticated clients a genuinely different way to think about liquidity, debt management, and mortgage strategy.

It is not right for everyone. It requires a detailed analysis of the borrower's goals, cash flow, discipline, and qualifications. That analysis is exactly the kind of conversation that separates you from every agent who only talks about rate.

Bring me one client scenario for a private strategy review. If it fits, you've just delivered something no other agent in their life has offered. If it doesn't, they'll respect you for the honest answer.

  • Business owners
  • Executives
  • Physicians & high-income professionals
  • Real estate investors
  • Clients with substantial monthly cash flow
  • Clients who value liquidity and flexibility

The All-In-One Loan requires an individual financial analysis and may not be appropriate for every borrower. Interest savings are not guaranteed. All terms subject to qualification and program guidelines.

Strategy — Buyer's Choice Down-Payment Assistance ("The VA Alternative")

Another path for buyers — when you know how to use it.

EPiQ Lending's Buyer's Choice strategy may provide qualified buyers with up to 5% in down-payment assistance, depending on the program and transaction.

For certain buyers, it creates another path worth evaluating — when VA financing is unavailable, impractical for the property, or simply not the best strategic fit. In the right situation, it may also help eligible buyers preserve VA entitlement for a future transaction.

Let's be precise: this is not a VA loan, and it is never represented as a government VA benefit. Eligibility, pricing, repayment terms, income restrictions, occupancy requirements, and property requirements must be reviewed for each borrower.

The value isn't having another program on a flyer. Plenty of lenders have programs. The value is knowing when, why, and how to use it responsibly — and when to tell a buyer it's the wrong tool.

  • VA financing unavailable for the buyer
  • The property doesn't fit VA requirements
  • Preserving VA entitlement matters
  • Down payment is the real obstacle
  • The buyer needs options, not a lecture

All assistance and financing subject to current program guidelines and approval. Not all buyers will qualify. Program availability and terms may change.

Network — Private & Alternative Capital Connections

When the deal doesn't fit an institution.

After decades in real estate and lending, Ricky has relationships with financially capable private investors who may consider funding real estate opportunities — when they understand and believe in the deal.

This is not a promise that capital will be available. Each opportunity must stand on its own merits. Any arrangement requires independent review, appropriate documentation, legal compliance, and agreement among the parties.

Ricky's advantage is simpler and more honest than "I can fund anything": a deep professional network, and the judgment to bring credible people and credible opportunities together.

For the unusual real estate opportunity that doesn't fit standard institutional financing, that introduction can be the difference between a dead deal and a done one.

  • Opportunities outside standard guidelines
  • Unusual property types or structures
  • Deals that need a believer, not a checklist
  • Sponsors with a credible story and real numbers

Private financing opportunities, if any, require independent review and appropriate legal documentation. No availability of capital is guaranteed or implied.

Business Growth

I don't just help you close business. I help you create it.

Most lenders wait by the phone for your next contract. Ricky puts technology, AI, automation, and trained professional dialers to work generating activity from assets you already own — starting with your database.

"Most agents do not need more leads. They need a better system for converting the leads they already paid for."

Database Audit & Organization

Review and organize your existing database. Surface old internet leads, past clients, unresponsive prospects, and long-term nurture opportunities that money already bought.

Trained Professional Dialers

Lead-reactivation specialists who work through old leads, restart conversations, identify current needs, and help schedule appointments — so your time goes to people ready to talk.

Targeted Campaigns

Purpose-built call lists and follow-up campaigns instead of blast-and-hope. Every touch has a reason, and financing strategy gives you the reason to call.

AI-Powered Content & Scripts

Follow-up scripts, objection responses, client education, personalized outreach, video concepts, social content, and database campaigns — built fast, tuned to your market.

A Real Follow-Up System

Consistency beats intensity. Build a repeatable follow-up machine covering open houses, client events, home-equity conversations, and referral-partner outreach.

Dead Leads → Live Conversations

The names collecting dust in your CRM become conversations, appointments, and opportunities. Activity you can see, from money you already spent.

Ricky understands this side of your business because he lives it — speaker, coach, sales leader, and company president. He can help you think through your entire production system, not just wait for the next loan application. No promises of a specific number of appointments or closings — promises like that are how amateurs talk. What you get is activity, conversations, consistency, and opportunity.

Ricky Khamis
Outgrind. Outwork. Outhustle. Everyone.
The Ricky Standard

What working with me feels like.

The 82nd Airborne doesn't teach you to hide when things get hard. Neither does 25+ years of funded files. Here's the standard, in writing:

  • Direct communication
  • Honest answers
  • No hiding on hard files
  • Problems flagged early
  • Clear expectations
  • Strategic thinking
  • Personal accountability
  • Urgency without chaos
  • Leadership when needed
  • Your client & commission respected

"When you refer a client, you are lending me your reputation. I treat it that way."

— Ricky Khamis
Operating philosophy: Outgrind. Outwork. Outhustle. Everyone.
The Challenge

Show me the deal they said couldn't be done.

Keep your lenders. Keep your process. Just put one difficult file in front of me — the declined buyer, the investor who doesn't fit the box, the closing nobody wants to touch. Fifteen minutes. Then judge for yourself whether your bench has a gap.

Bring Me the Deal Nobody Else Wants Schedule a 15-Minute Strategy Call
Start the Conversation

Let's find the gap in your current lending bench.

For producing agents only. Tell me where you are and what would actually make a new lending relationship worth your time. If you have a difficult file right now, describe the scenario — it gets a confidential second look.

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Prefer direct? 480.999.9842 · rick@epiqlending.com

Received. I'll be in touch.

Expect direct communication — that's the standard. If you described a live file, it gets reviewed first.