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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, April 13, 2026
Rates Break to a 5-Week Low. Can This Week's Data Lock In the Gains?
The 30-yr fixed dropped to 6.15%, its lowest point since mid-March. PPI hits Tuesday as the next inflation test after last week's hot CPI at 3.3%. Thursday brings Retail Sales, Housing Starts, and Initial Claims — a trifecta that could lock in rate relief or claw it back. DSCR investors and self-employed borrowers have a clear window to move this week.
Read Full Brief →
30-Yr Fixed
6.15%
▼ −22 bps
15-Yr Fixed
5.64%
▼ −10 bps
5/1 ARM
6.44%
▲ +22 bps
10-Yr Treasury
4.31%
—
This Week's Calendar
  • → Tue Apr 14: Producer Price Index (PPI)
  • → Thu Apr 16: Advance Retail Sales (8:30 AM ET)
  • → Thu Apr 16: Housing Starts & Building Permits (8:30 AM ET)
  • → Thu Apr 16: Initial Claims & Philly Fed Manufacturing (8:30 AM ET)
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