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NonQM Nate NonQM NATE
Non-QM Wholesale Specialist

The deal your bank
couldn't close?
That's my specialty.

I help brokers and loan officers win the complex, non-traditional deals that fall outside the conventional box. Bank statements. DSCR. Foreign nationals. Self-employed. If it's Non-QM, it's my lane.

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100%
Non-QM focus
20.2%
Wholesale broker market share Q4 '25
Daily
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This Week's Brief

Rate movements, industry headlines, and consumer & investor talking points, so you can walk into Monday sharper than anyone else in your market.

Thursday, June 18, 2026 · Morning Brief
Fed Holds but Flips Hawkish: Dot Plot Now Shows Nine Members Projecting a 2026 Hike
The morning after the FOMC, rates are repricing higher as the bond market digests a Fed with no cut on the calendar until 2027. The 30-year jumped to 6.51% and the 15-year to 5.90% while the 10-year firmed to 4.50%; only the 5/1 ARM cut against the grain, easing to 6.47%. In Warsh's first meeting the Fed held at 3.50% to 3.75% but nine of eighteen members now project a 2026 hike, six see two, and the year-end PCE forecast was lifted to 3.6% after May CPI hit a three-year-high 4.2%. For brokers, the "rates are about to fall" pitch is retired: this is a lock-leaning, higher-for-longer market where payment structure, ARMs, and Non-QM cash-flow product do the work.
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30-Yr Fixed
6.51%
▲ 11 bps
15-Yr Fixed
5.90%
▲ 15 bps
5/1 ARM
6.47%
▼ 8 bps
10-Yr Treasury
4.50%
▲ 5 bps
Upcoming Calendar
  • → Jun 26: May PCE, 8:30 a.m. ET. The next major catalyst now that the Fed has passed; after officials raised the year-end PCE forecast to 3.6%, a hot core print would validate the hawkish dots.
  • → Done: June FOMC came in hawkish. Held at 3.50% to 3.75% but nine of eighteen members now project a 2026 hike, with cuts pushed to 2027. The dot plot, not the hold, moved rates.
  • → Watching: 10-Yr Treasury at 4.50%. Firmed on the projections; a strong PCE next week could push it decisively through 4.55% and drag mortgage rates with it.
  • → This week: jobless claims and final Q1 GDP. The only domestic data before PCE; a jump in claims would be the first labor crack the doves need, but neither is likely to override the FOMC tone.
What You Get

Three ways I make your pipeline stronger

Whether you've got a deal that needs a home, a client who needs an education, or just want to stay ahead of the market — this is built for you.

📊
Daily Market Intelligence
Every morning: a full rate briefing, market analysis, industry headlines, and consumer & investor talking points you can use in your very next client call. No fluff. No subscription. Just signal.
🧠
Non-QM Scenario Expertise
Bank statement borrowers. Real estate investors with DSCR deals. Self-employed clients with complex tax returns. Foreign nationals. I live in these scenarios daily. Submit one and I'll price it fast and walk you through the options.
🤝
Wholesale Partnership
You keep the client relationship. I handle the product, pricing, and process. You close the deal and get paid. That's the wholesale model — and it's winning. Broker market share hit 20.2% in Q4 2025.
The Opportunity

Non-QM isn't a niche anymore. It's the edge.

The self-employed. The investor. The foreign national. The borrower with great income and a complicated tax return. These clients are underserved by conventional lending, and they're some of the most motivated buyers in the market.

  • Non-QM volume grew over 30% in 2024 with strong momentum continuing into 2026
  • Broker market share hit 20.2% in Q4 2025. The wholesale channel is winning.
  • Self-employed borrowers represent the fastest-growing buyer segment
  • DSCR loans make real estate investing accessible without W-2 income verification
  • One Non-QM approval builds a relationship that generates referrals for years
$1T+
Annual Non-QM origination market potential
16M+
Self-employed Americans who don't fit the conventional box
20.2%
Wholesale broker market share Q4 2025
30%+
Non-QM volume growth year over year
Published Every Weekday
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Prefer email? nneal@brokersadvantagemtg.com