Drake Khamis · Mortgage Advisor · EPiQ Lending, Arizona

About me

I'm Drake, your loan officer.

Loan officer at EPiQ Lending in Scottsdale, Arizona — 25+ years in this business as a family. I treat every loan the way I'd treat a family member's: not trying to close you, trying to put you in the strongest position your situation allows.

More about me →

25+ yrs Family in lending

About you

Start with your situation.

Pick the one that sounds like you. Each leads to the plan written for it.

Buying my first home→ Deciding whether to buy→ Self-employed→ Buying rental property→ Waiting to refinance→ I served — VA loan→ My file is complicated→ None of these — ask me→

12+

loan programs, purchase to construction

3

ways to get a deal done — in-house, brokered, bank partners

1

point of contact, start to close — the person doing your loan

$0

to talk it through — no application, no credit pull

Run the numbers

Know your payment before anyone asks for your contact info.

Price, down payment, rate, term — the estimate updates in real time. No email required.

Open the calculator →

Standard buy · 30 yr

Home price$450,000

Down payment20%

Rate · 30 yr6.75%

$2,747/mo

Estimated monthly

The situations

Every home here
takes a different loan.

First home, new build, downtown condo, rental property, the place in the foothills. Drag the island, then find yours below.

Drag to spin

Loans

Every major loan — and the specialty ones.

3.5% min down payment

15 programs, one application

80% max LTV (cash-out)

07

HELOC

90% max combined LTV

08

DSCR / Investor

No personal income docs

09

Specialty programs

Down payment assistance · Bridge · Construction · Solar — ask me →

How it works

However complex it gets, it's three steps.

Every situation above runs through the same process — one point of contact, start to close.

01

Tell me your situation

Where you are, where you want to be — a quick call or a few notes. No application, no credit pull to start.

02

I map it and read the math

I price your loan every way we can do it — in-house, brokered, or a partner bank — and lay out the trade-offs in plain language, including when the answer is "wait."

03

We pick the path and move

You choose with full information. I handle the lenders, the paperwork, and the timeline to close.

The All-In-One

The exclusive All-In-One loan.

Your income and your mortgage live in one account. Every dollar sitting there pays the loan down until the day you spend it — same income, same spending, paid off years sooner.

See how it works

Strike rate

Set the rate you'd refinance at.

You tell me the number that makes refinancing worth it. I check live rate sheets every morning. The day pricing hits your strike, I call — same day, while the window is still open. Free to set, no obligation.

Set your strike rate