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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.

Submit a Scenario Read the Morning Brief →
100%
Non-QM focus
20.2%
Wholesale broker market share Q4 '25
Daily
Market intel for your pipeline
Fast
Scenario pricing, same day
Published Daily

This Morning's Brief

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

Wednesday, May 6, 2026 — Morning Brief
30-Year Hits 6.51% as ADP Drops This Morning — Fed's Most Contentious Vote Since 1992 Signals No Cuts Ahead
The 30-year fixed jumped 16 bps to 6.51% this morning as rate pressure from last week's hawkish 8-4 FOMC hold continues to compound. ADP private payrolls hit today (watch for anything above 175K as a rate risk trigger), and Friday's April Jobs Report is the week's biggest catalyst. Non-QM market on track for $150B in 2026 — nearly double last year — and the 5/1 ARM at 5.64% offers an 87-bp discount to the 30-year fixed.
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30-Yr Fixed
6.51%
▲ +16 bps
15-Yr Fixed
5.71%
▼ -2 bps
5/1 ARM
5.64%
Stable
10-Yr Treasury
4.42%
▼ -2 bps
This Week's Calendar
  • → Today Wed May 6: ADP Private Payrolls — first look at April hiring
  • → Thu May 7: Initial Jobless Claims & Q1 Productivity
  • → Fri May 8: April Jobs Report (NFP) — biggest rate risk of the week
  • → Wed May 13: CPI — most important inflation print of the month
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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Every brief, indexed by date. Rates, headlines, talking points — all in one place.
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Work With Me

Submit a Non-QM Scenario

Drop your deal details below. I'll come back to you with product options, pricing guidance, and a plan. Same day, no runaround.

Prefer email? nneal@brokersadvantagemtg.com