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.

Friday, March 27, 2026
Rates Push Higher on Iran Tensions as Spring Season Kicks Off
The 30-year fixed closed the week at 6.38% — up 16bps — as geopolitical anxiety drove the 10-yr Treasury to its highest level since July 2025. The Fed held rates steady and the dot plot signals one cut in 2026, likely Q3 at the earliest.
Read Full Brief →
30-Yr Fixed
6.38%
▲ +16 bps
15-Yr Fixed
5.75%
▲ +21 bps
5/1 ARM
6.21%
Elevated
10-Yr Treasury
4.44%
▲ +4.8 bps
Today's Headlines Include
  • → loanDepot reenters wholesale after 4-year exit
  • → UWM launches Built-In Rewards via Bilt
  • → FHFA drops certain homeowners insurance rules
  • → Fannie retiring "limited review" for condos
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.
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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