Morning Briefs Non-QM Guidelines DSCR Calculator Blended Rate Calculator Rate vs. Points Breakeven NonQM Loan Finder About Book a 15-Min Call 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 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.

Sunday, June 21, 2026 · Week Ahead
After Warsh's Hawkish Debut, All Eyes Turn to Thursday's PCE as the Next Real Test
We open the week with the 30-year near 6.49%, just above Friday's holiday-thinned close, as the higher-for-longer bias from last week's FOMC holds in place. Nine of eighteen officials now project a 2026 hike, six see two, and cuts are pushed to 2027 and 2028 after officials lifted the year-end PCE forecast to 3.6%. The calendar is quiet until Thursday's May PCE report, the next real catalyst, while June's wholesale Non-QM pricing specials head into their final week and mortgage applications keep climbing despite elevated rates.
Read Full Brief →
30-Yr Fixed
6.49%
▲ 1 bp
15-Yr Fixed
5.88%
▲ 1 bp
5/1 ARM
6.52%
▲ 2 bps
10-Yr Treasury
4.49%
▲ 1 bp
Upcoming Calendar
  • → Jun 26: May PCE, 8:30 a.m. ET. The Fed's preferred inflation gauge and the week's headline event; a hot core print would validate the hawkish dot plot and could push the 10-year above 4.55%.
  • → Jun 22: Light calendar reopens the week. No major releases Monday, but it's the first full-liquidity trading day since the FOMC decision once Juneteenth-thinned volume clears.
  • → Jun 26: Weekly jobless claims. Released alongside PCE; a sharp jump would be the first labor crack the doves need, while a firm read reinforces the higher-for-longer story.
  • → Jun 30: June wholesale Non-QM specials expire. Promotional DSCR and bank-statement pricing across the channel closes out at month-end, adding urgency to marginal files this week.
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 →
⏱ 15 Minutes

Book a quick scenario call

For when you’d rather talk a deal through than type it out. Pick a slot, jump on, get answers.

Can’t see the calendar? Open the booking page directly →
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