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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.

Monday, May 11, 2026 — Morning Brief
30-Year Eases to 6.33% on Pre-CPI Bond Bid — ARM Discount Tightens to 69 bps as DSCR Overlays Quietly Reset Higher
The 30-year opens the week at 6.33% per Optimal Blue, roughly 4 bps below Friday’s 6.37% PMMS as the bond market repositions ahead of tomorrow’s April CPI. The 5/1 ARM holds at 5.64% — the tightest discount to the 30-year in three weeks — and the 15-year drops to 5.65%. Several Non-QM aggregators are quietly resetting cleanest-tier DSCR ratios from 1.00x to 1.10x, while no-ratio investor loans pick up the displaced volume. April CPI Tuesday at 8:30 AM is the binary catalyst: a 0.2% core print opens a path below 6.25%; 0.4%+ pushes us back through 6.45%. Lock conservatively today — this window can close in one print.
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30-Yr Fixed
6.33%
▼ -4 bps
15-Yr Fixed
5.65%
▼ -7 bps
5/1 ARM
5.64%
Stable
10-Yr Treasury
4.38%
▲ +3 bps
This Week's Calendar
  • → Tue May 12: April CPI — the single most important inflation print of the month
  • → Thu May 14: April PPI & Retail Sales — double-header on producer inflation and consumer spending
  • → Fri May 15: UMich Sentiment + Powell's last day as Fed Chair (Warsh sworn in)
  • → Jun 16–17: First FOMC under Warsh — futures price <10% chance of any 2026 cut
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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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