Morning Briefs Non-QM Guidelines DSCR Calculator Blended Rate Calculator Rate vs. Points Breakeven NonQM Loan Finder Submit a Scenario
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.

Wednesday, May 13, 2026 — Morning Brief
Warsh Clears Senate, PPI on Deck — 30-Year Jumps to 6.45% as Post-CPI Repricing Carries Into Wednesday
Yesterday's 3.8% CPI print carried into overnight pricing, pushing the 30-year to 6.45% — up 26 bps from Tuesday's open — as the 10-year Treasury climbed to 4.46%. Kevin Warsh was confirmed to the Fed board in a 51–45 vote with his full chair confirmation vote expected this week as Powell's term expires Friday. April PPI releases at 8:30 AM ET today — a hot read could trigger a second wave of mid-morning lender reprices. Lock floating files now and lean into non-QM: Logan Finance just launched high-balance up to $5M in wholesale, and Newfi is now accepting crypto reserves on DSCR deals.
Read Full Brief →
30-Yr Fixed
6.45%
▲ +26 bps
15-Yr Fixed
5.72%
▲ +7 bps
5/1 ARM
6.38%
▲ +8 bps
10-Yr Treasury
4.46%
▲ +7 bps
This Week's Calendar
  • → Wed May 13 (Today): April PPI — 8:30 AM ET, watch for mid-morning reprices if hot
  • → Thu May 14: April Retail Sales — consumer spending gauge, key read on demand
  • → Fri May 15: UMich Sentiment + Warsh chair confirmation vote + Powell’s last day
  • → Jun 16–17: First FOMC under Warsh — futures price <5% 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
Browse the Morning Brief Archive
Every brief, indexed by date. Rates, headlines, talking points — all in one place.
View All Briefs →
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