Erika Kelly
Your Go-To Expert for Non-QM Loans—With Straight Answers and Real Solutions
With nearly two decades in wholesale lending, Erika Kelly brings deep expertise, unwavering honesty, and a passion for solving complex Non-QM scenarios. From her early days at Bankers Express to her years alongside Brian and Kevin O’Shaughnessy at Athas Capital and The Lending Spot, Erika has built a reputation as a trusted resource for brokers navigating Non-QM Consumer, DSCR/No Ratio, Hard Money, and Alt Doc loans—especially bank statement programs.
Erika isn’t about empty promises. She’s known for giving straight, knowledgeable answers and offering realistic solutions brokers can count on. Her greatest satisfaction? Helping brokers close tough deals with confidence and clarity.
Off the clock, Erika finds joy outdoors—camping, hiking, and recharging in nature. At home, she’s a creative spirit who loves cooking, quilting, and spending time with her husband, their two grown daughters, and her fur babies Nugget (Chihuahua) and Jasper (Corgi).
With nearly two decades in wholesale lending, Erika Kelly brings deep expertise, unwavering honesty, and a passion for solving complex Non-QM scenarios. From her early days at Bankers Express to her years alongside Brian and Kevin O’Shaughnessy at Athas Capital and The Lending Spot, Erika has built a reputation as a trusted resource for brokers navigating Non-QM Consumer, DSCR/No Ratio, Hard Money, and Alt Doc loans—especially bank statement programs.
Erika isn’t about empty promises. She’s known for giving straight, knowledgeable answers and offering realistic solutions brokers can count on. Her greatest satisfaction? Helping brokers close tough deals with confidence and clarity.
Off the clock, Erika finds joy outdoors—camping, hiking, and recharging in nature. At home, she’s a creative spirit who loves cooking, quilting, and spending time with her husband, their two grown daughters, and her fur babies Nugget (Chihuahua) and Jasper (Corgi).
What Erika's TPO Partners Are Saying...
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I sent Erika a loan that three other lenders had already passed on. Honestly, I figured it was dead. But she didn’t flinch. She dissected the deal like a pro, spotted the path forward, and had a game plan within hours. It wasn’t just her Non-QM knowledge—it was the way she owned the process and gave me confidence when I had none left. That deal funded, my client was thrilled, and I looked like a hero. Erika’s not just an AE—she’s my secret weapon. If you’ve got a tough deal and no time for fluff, you call Erika.
– J. Martinez, Independent Broker
What Erika's TPO Partners Are Saying...
“
“
I sent Erika a loan that three other lenders had already passed on. Honestly, I figured it was dead. But she didn’t flinch. She dissected the deal like a pro, spotted the path forward, and had a game plan within hours. It wasn’t just her Non-QM knowledge—it was the way she owned the process and gave me confidence when I had none left. That deal funded, my client was thrilled, and I looked like a hero. Erika’s not just an AE—she’s my secret weapon. If you’ve got a tough deal and no time for fluff, you call Erika.
– J. Martinez, Independent Broker
Have Questions? I’m Your Dedicated Expert.
Ready to Simplify Lending?
Let’s connect soon—I’d love to discuss how ARDRI can bring value to you and your clients. Please feel free to reach out at any time or book a meeting with me using the link below. Call me today at 747.238.3514 to get started!
