✔ No credit pull
✔ Quick review by Erica
✔ Response within 1 business day
Louisiana only: This form is for properties located in Louisiana. If you are buying in another state, I’m not licensed there yet.
About Erica
I’m Erica, the owner of Parish Lending. I specialize in Non-QM options for self-employed borrowers who have strong cash flow
but don’t “look qualified” on paper because of write-offs, depreciation, or tax strategy.
If this is you, I’ll tell you quickly and clearly what’s possible, what’s not, and the simplest path to get you closed.
What Happens Next
A quick, straightforward process designed to give you clear answers fast.
1
Quick Call (10–15 min)
We discuss your situation, answer questions, and explore options.
2
Review Deposits + Checklist
You gather 12–24 months of bank statements; we outline next steps.
3
Clear Options + Next Steps
You get honest feedback on what works and timeline from us.
Who This Works For
Self-employed borrowers with heavy write-offs (Schedule C, S-corp, LLC)
1099 contractors and freelancers with variable income
Small business owners with mixed personal/business income
Borrowers denied by traditional banks due to tax return income
Real Clients. Real Results.
Here's what borrowers say about working with us:
"Others turned us down. Erica knew exactly who to call and got us across the finish line."
S.Ca.Tough Scenario
"Transparent from start to finish. She answered every question clearly and got me the best rate possible."
S.Ch.Refinance
"Knowledgeable, responsive, and stress-free. Everything closed on time."
H.J.Purchase
"She went above and beyond. Got us the best possible financing with quick responses the whole way."
J.T.Purchase
"Painless process with clear explanations. I've refinanced twice and will again."
H.M.Refinance
"Super responsive with clear instructions. Everything was convenient and online."
A.D.Purchase
Testimonials are from real clients; results vary.
Common Questions About Bank Statement Loans
Will you pull my credit?
Not for an initial fit assessment. We can give you honest feedback without a credit pull.
A full credit pull happens only if you decide to move forward.
How many months of bank statements do you need?
Typically, 12–24 months depending on the program. The more consistent your deposits, the faster the process.
Can I use both personal and business bank statements?
Yes. We can use personal, business, or both depending on what shows your true cash flow.
Do you only serve Louisiana?
Yes. I’m currently licensed in Louisiana only, and I serve Louisiana statewide.
If a bank already told you no — that’s not the end.
A bank statement loan may give you options that traditional underwriting can’t.
