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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, July 30, 2026 · Morning Brief
Three Regional Fed Presidents Dissent in Favor of a Hike, First Unified Triple Dissent Since 2016
The Fed held at 3.50% to 3.75% on a 9-to-3 vote, with Hammack, Kashkari, and Logan all wanting a quarter-point increase, the first time three policymakers dissented in the same direction since September 2016. Chair Warsh declined to call it a pause, framing it as a rigorous review instead. Rate sheets still improved this morning as lenders unwound pre-FOMC padding, with the 5/1 ARM giving back 41 basis points to 6.58% and the 30-year easing to 6.65%, even as the 10-year Treasury pushed up to 4.70% ahead of June core PCE at 8:30.
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30-Yr Fixed
6.65%
▼ 4 bps
15-Yr Fixed
5.88%
▼ 19 bps
5/1 ARM
6.58%
▼ 41 bps
10-Yr Treasury
4.70%
▲ 9 bps
Upcoming Calendar
  • → Jul 30: June PCE Inflation Report. Out at 8:30 a.m. ET this morning. Consensus is roughly 0.2% on core month over month and 3.3% to 3.4% year over year, which would leave the Fed's preferred gauge at about a three-year high one day after three presidents voted to hike.
  • → Jul 30: Freddie Mac PMMS. The weekly survey publishes at 10:00 a.m. ET, following last week's 6.58%. Expect it to reflect last week's push higher rather than today's improved sheets, since the survey lags daily pricing by several days.
  • → Aug 3 to Aug 5: ISM and ADP. ISM Manufacturing Monday, then ADP private payrolls and ISM Services Wednesday. The ISM Services prices-paid subindex is the cleanest early read on whether services inflation is actually decelerating.
  • → Aug 7: July Jobs Report. Nonfarm payrolls and average hourly earnings, the last major labor read before the September decision. June missed badly at 57,000, so a second soft print is the cleanest path back toward a 4.50% ten-year.
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