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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 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.

Saturday, July 25, 2026 · Week in Review
30-Year Climbs to 6.58%, Highest Since August 2025, as Fed Hike Odds Jump to 46%
Rates just wrapped a fourth straight week higher, with the 30-year fixed averaging 6.58% and the 10-year Treasury jumping 13 bps to 4.68%, its highest close since January 2025. Middle East tensions and oil above $100 a barrel are driving the move, and the probability of a Fed hike later this year has jumped from 12% to as high as 46% in a single week. Next week's back-to-back FOMC decision (July 28-29) and June PCE report (July 30) is the single biggest catalyst window of the summer, while non-QM issuance tracks toward $100B-plus for the year.
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30-Yr Fixed
6.58%
▲ 3 bps
15-Yr Fixed
5.96%
▲ 3 bps
5/1 ARM
6.06%
▲ 2 bps
10-Yr Treasury
4.68%
▲ 13 bps
Upcoming Calendar
  • → Jul 28-29: FOMC Rate Decision. A hold at 3.50%-3.75% is widely expected, but hike odds for later in 2026 have jumped to as high as 46%. Watch Powell's press conference language on Wednesday for any hawkish tilt.
  • → Jul 30: June PCE Inflation Report. The Fed's preferred gauge lands the morning after the FOMC decision, with core PCE expected near 3.3% year over year, still well above target.
  • → Aug 7: July Jobs Report. The next nonfarm payrolls release, following June's soft 57,000 print and a labor force participation rate at its lowest since March 2021.
  • → Aug 11: July Existing-Home Sales. Will show whether July's inventory build (up 15.7% YoY) and softening prices are translating into more closed transactions.
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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⏱ 15 Minutes

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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