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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
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.

Thursday, August 6, 2026 · Morning Brief
Non-QM Issuance Tracking Above $100 Billion. Agency Files Keep Getting Harder.
Non-QM residential issuance is on pace to clear $100 billion this year, up roughly 46% over 2025, with DSCR volumes posting 91% to 97% year-over-year growth. At the same time analysts are warning that DSCR will be the first non-QM segment to lose liquidity if spreads widen, which makes this quarter a better execution window than next. Rates eased slightly with the 30-year at 6.71% and the ten-year at 4.61%, but three FOMC dissents in favor of a hike make tomorrow's jobs report the real catalyst.
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30-Yr Fixed
6.71%
▼ 2 bps
15-Yr Fixed
5.85%
Flat
5/1 ARM
6.61%
Steady
10-Yr Treasury
4.61%
▼ 2 bps
Upcoming Calendar
  • → Today: Q2 Productivity and Unit Labor Costs. Out at 8:30 a.m. ET. Rarely a mover on its own, but a hot unit labor cost number sets a hawkish tone into tomorrow's payroll print and can pressure the long end today.
  • → Aug 7: July Jobs Report. The week's only genuine catalyst, at 8:30 a.m. ET. With three FOMC members already dissenting toward a hike, a strong payroll and wage print pushes September odds sharply higher. Lock anything closing inside 30 days before the release.
  • → Aug 12: July CPI. Arguably bigger than the jobs report given that the Fed has tied the September decision to the next two inflation prints. Core ran 2.9% with headline at 4.2% in May, so another acceleration would likely be decisive.
  • → Aug 13: July PPI. The follow-through read on whether producer costs are still feeding the consumer basket. A confirming print after a hot CPI would remove most of the remaining doubt about a September hike.
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