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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 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, August 2, 2026 · Week Ahead
Everything This Week Runs Through Friday's Jobs Report
The Fed held at 3.50% to 3.75% on a 9-to-3 vote with Hammack, Kashkari, and Logan all dissenting in favor of a quarter-point increase, and June core PCE then eased to 3.3% while still sitting 130 basis points above target. That leaves the July employment report on Friday as the only release with the weight to reprice the long end. Meanwhile the 5/1 ARM has moved back inside the 30-year fixed by 22 basis points at 6.43%, which makes short-duration structures workable again on DSCR and payment-sensitive purchase files.
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30-Yr Fixed
6.65%
Unchanged
15-Yr Fixed
6.01%
▲ 13 bps
5/1 ARM
6.43%
▼ 15 bps
10-Yr Treasury
4.74%
▲ 4 bps
Upcoming Calendar
  • → Aug 3: ISM Manufacturing PMI. Monday morning at 10:00 a.m. ET. The headline matters less than the prices-paid subindex, which is the earliest clean read on whether goods inflation is still feeding the core.
  • → Aug 5: ADP and ISM Services. Private payrolls in the morning followed by ISM Services. Services drives the bulk of core inflation, so a hot prices-paid figure here would strengthen the three-member hawkish bloc ahead of Friday.
  • → Aug 6: Weekly Jobless Claims and Freddie Mac PMMS. Claims at 8:30 a.m. ET, with the weekly rate survey at 10:00 following last week's 6.66%. Claims have become a higher-signal indicator given how badly payrolls have been revised.
  • → Aug 7: July Jobs Report. The week's only genuine catalyst. June printed 57,000 against a 115,000 consensus with the prior two months revised down a combined 74,000, 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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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