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.
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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.
From Bible college to mortgages: the broker whose faith guides his business
MPA Talk
28 minutes 50 seconds
2 years ago
From Bible college to mortgages: the broker whose faith guides his business
For this edition of MPA Talk, we meet Michael Rankin, from Clearpath Mortgage Solutions, who describes himself as a second generation, ‘post-Crash’ mortgage broker. Rankin went to Bible college and planned to work in the Church, but following the birth of his son and needing to earn, he took business classes and followed his father into mortgages. Rankin’s approach is to make the mortgage experience the best part of buying a home. All too often people are treated like ‘transactions’, he says – and they matter. His faith informs the core values of his business.
MPA Talk
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.
