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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.

Tuesday, May 5, 2026 — Morning Brief
Rates Jump to 6.35% as ISM Services Hits Today and Jobs Report Looms Friday. Lock Window Is Now.
The 30-year climbs to 6.35% — up 8 bps from Monday — as the 10-year Treasury pushes above 4.44% on Middle East energy concerns and pre-ISM caution. ISM Services PMI lands at 10 AM ET (consensus 51.5–52.0), ADP hits Wednesday, and the April Jobs Report is the big rate event Friday May 8. Pennymac TPO entered the Non-QM space this spring and Non-QM securitization is tracking 25% above 2025 pace.
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30-Yr Fixed
6.35%
▲ +8 bps
15-Yr Fixed
5.73%
▲ +9 bps
5/1 ARM
6.12%
Stable
10-Yr Treasury
4.44%
▲ +7 bps
This Week's Calendar
  • → Today Tue May 5: ISM Services PMI at 10 AM ET — key rate catalyst
  • → Wed May 6: ADP Private Payrolls
  • → 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