Mortgage Market Reset: Strategies, Trends & Non-QM Insights for 2026

MPA Talk: NAMB president fights for legislation to improve housing affordability

On this edition of MPA Talk, Matt Sexton is joined by the president of the National Association of Mortgage Brokers (NAMB), Kimber White. White discusses why affordability is such a major concern and the changes he is lobbying for to make a meaningful impact. This edition is part of this month's series on housing affordability. You can check out our full coverage here: www.mpamag.com/us/mortgage-industry/industry-trends/monthly-spotlight-mortgage-affordability/562098

Mortgage Market Reset: Strategies, Trends & Non-QM Insights for 2026

The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape. In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals. What you’ll gain from this episode: •How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success. •Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive. •The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients. •Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity. •What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices. Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.

How Can Brokers Build Expertise and Grow Their Non-QM Business?

Non-QM lending has rapidly moved from niche to necessity, reshaping how mortgage professionals serve clients and grow their business. As interest rates remain high and borrower profiles diversify, brokers face new challenges and opportunities. Staying competitive means understanding how to leverage non-QM solutions to expand your reach, diversify revenue, and meet the needs of modern borrowers. This episode of MPA Talk brings you an exclusive conversation with Tom Hutchens, President of Angel Oak Mortgage Solutions and a leading voice in the non-QM sector. With over 25 years of experience, Tom shares actionable insights on how brokers can build expertise, align with experienced non-QM lenders, and confidently offer innovative solutions to their clients. Listeners will gain practical strategies, learn about the latest trends, and hear real-world advice on navigating the non-QM market for lasting business growth. Key takeaways from this episode: · How to choose the right non-QM partners: Learn what sets experienced lenders apart and why their expertise matters for your success. · Training and resources for brokers: Discover the tools and support available to help you confidently originate non-QM loans. · Effective marketing strategies: Find out how to position yourself as a non-QM expert and grow your referral network. · Top non-QM borrower segments: Understand the fastest-growing borrower types and how to serve them with the right products. · Market outlook for 2025 and beyond: Get perspective on where non-QM lending is headed and how you can capitalize on emerging trends. Ready to boost your business and stay ahead of the curve? Tune in now to gain proven strategies and actionable insights from one of the industry’s top non-QM experts.

2025 Lending Trends: What Brokers Need to Know About Non-QM Growth

In a challenging mortgage landscape marked by rising rates and shifting borrower profiles, the non-QM (non-qualified mortgage) space is emerging as a crucial growth engine —and one that originators ignore at their own peril. With traditional loan volumes in decline and more borrowers falling outside agency guidelines, non-QM is no longer a niche alternative—it's a mainstream necessity. From self-employed entrepreneurs to seasoned investors tapping into home equity, demand for flexible lending options is surging in 2025. In this episode of MPA Talk, Editor Fergal McAlinden sits down with two industry leaders — Tom Hutchens, President of Angel Oak Mortgage Solutions, and Scott Gruebele, Senior Account Executive at Angel Oak Mortgage Solutions—to unpack what’s driving the rapid rise of non-QM lending. Whether you're just starting to explore this space or looking to deepen your expertise, this conversation offers a clear, actionable guide to staying competitive in a changing market. Here’s what you’ll take away from the episode: • Why non-QM is growing while agency lending declines • The borrower segments fueling non-QM growth in 2025 • Top-performing non-QM products—like second liens, interest-only, and bank statement loans • How originators can tap into massive untapped home equity • The steps brokers need to take to become non-QM experts • Why aligning with an experienced lender like Angel Oak is crucial to success • Trends on the horizon: investor activity, jumbo opportunities, and more Don’t fall behind—start building your non-QM pipeline today. Listen now and discover how to position your business for sustainable growth in the evolving mortgage market.

Unlocking the Potential of Non-QM Lending in 2025

The mortgage industry is evolving, and non-QM loans are no longer just a niche product—they’re becoming a key component of originators’ strategies. With traditional lending tightening and an increasing number of borrowers not qualifying for agency loans, non-QM solutions are stepping in to fill the gap. Whether it’s self-employed individuals, real estate investors, or those with unique financial situations, non-QM lending is helping more borrowers achieve homeownership and investment success. In this episode of MPA Talk, we sit down with Tom Hutchens, President at Angel Oak Mortgage Solutions, to explore why non-QM is experiencing rapid growth and how mortgage professionals can leverage these opportunities. Tom shares expert insights on the evolving borrower landscape, key non-QM products, and how lenders can differentiate themselves in a competitive market. If you’re looking to expand your business and serve more clients, this is the podcast you don’t want to miss. Key takeaways from this podcast include: •Why non-QM lending is becoming a core product for mortgage originators •The top borrower segments benefiting from non-QM loans, including self-employed individuals and real estate investors •How Angel Oak Mortgage Solutions is leading the way in non-QM education and innovation •Common misconceptions about non-QM lending and how to address them •Practical strategies for mortgage professionals to integrate non-QM into their business models Don’t get left behind in this shifting mortgage landscape. Tune in now to gain the insights and tools you need to succeed with non-QM lending in 2025!