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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.

Sunday, May 10, 2026 — Week Ahead
Week Ahead: April CPI Tuesday Is the Whole Game. Jobs Cooled, Wages Cooled, Powell's Last Day Friday — But the 30-Year Sits at 6.37% With No Cushion.
The 30-year ended the week at 6.37% (up 7 bps WoW) on Freddie Mac's PMMS as a hot ISM Services Prices Paid and a stronger ADP front-loaded the move. Friday's April Jobs print beat headline (115K vs. 55K consensus) but wages cooled to 0.2% MoM and February revisions confirmed a real labor slowdown. April CPI Tuesday is the only event with the gravity to single-handedly reset rates — soft and we re-test 6.20%, hot and we test 6.50%. Powell's term ends Friday May 15; Warsh inherits an 8–4 FOMC and zero June cut probability priced in.
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30-Yr Fixed
6.37%
▲ +7 bps WoW
15-Yr Fixed
5.72%
▲ +8 bps WoW
5/1 ARM
5.68%
▲ +4 bps WoW
10-Yr Treasury
4.35%
▼ -3 bps Fri
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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Every brief, indexed by date. Rates, headlines, talking points — all in one place.
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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