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Articles by Tom Davis
While Agency Volume Continues To Shrink, Non-QM And Equity Grow
Originators relying solely on agency loans risk losing borrowers who need alternative income options or access to home equity The fact that agency volume continues to shrink is not new information. Many originators have seen the impact on their pipelines. The problem is that it is not getting better, and there is no solution in the near future. Interest rates are not going down. In fact, they just rose by 19 basis points in early October.
How to use equity products to get closer to your customers
The most successful mortgage brokers and loan officers never take their borrowers’ loyalty for granted. They constantly engage with them and expand their products to meet their changing needs. This prevents competitors — or even the people servicing their loans — from attracting or recapturing the borrowers that they’ve worked so hard to serve. In the current mortgage environment, home equity loans and home equity lines of credit (HELOCs) offer new ways to keep borrowers sticky.
Not Your Conforming Comfort Zone
By Tom Davis, Special To National Mortgage Professional By Tom Davis, Special To National Mortgage Professional Successful originators know that an important way to strengthen sales is to increase their expertise in high-demand products. In 2026, those products will include non-agency loans, or loans that are not backed by Freddie Mac, Fannie Mae, or other government sponsored entities (GSEs).
Residential Transition Loans: A $30 billion solution to the housing crisis
Enterprising mortgage industry leaders are positive, forward thinkers. Problems don’t drag them down — they inspire them to create new solutions. They innovate new non-qualified mortgage (non-QM) loans for self-employed borrowers who might not otherwise qualify for an agency mortgage. They develop new generations of second-lien products when large swaths of the homebuying population opt to renovate their existing homes rather than move. Now these eternally optimistic leaders are at it again.
Why Are Top Companies Rushing to Issue Convertible Bonds?
As tariff uncertainty pressures the U.S. economy and equity markets, investors have looked to mitigate downside risk while participating in the potential upside. Given that landscape and the resurgence of convertible bond issuance by high credit names, convertible bonds are in vogue again as investment vehicles for both sophisticated hedge fund strategies and as a yield enhancement for traditional investors and portfolios.
Through a wider lens: The growth opportunity beyond US markets
The past 12 months have been chaotic and norm-busting across the macroenvironment. Against this backdrop, many investors wonder how anyone can confidently identify long-term opportunities when uncertainty appears to be so high. We understand this perspective, but we believe "this time is not different" and it is important for investors to maintain a long-term perspective on international growth equities.
New Growth Ahead: Tapping Into Home Equity and Non-QM Synergies
Editor’s Note: This piece originally appeared in MortgagePoint magazine. If you ask mortgage leaders about industry growth areas for 2025, they are likely to mention at least two: home equity products (HELOCs and HELOANS) and non-QM. Home equity lending is surging. According to the June 2025 ICE Mortgage Monitor, second-lien equity withdrawals recently reached almost $25 billion, “the largest first quarter volume in 17 years.” Non-QM lending, too, is on a roll.
Mortgage brokers and loan officers tapping into home equity and non-QM
In the mortgage industry, interest in selling home equity mortgage products has exploded. U.S. mortgage holders have $11.5 trillion in tappable equity, and they have clamored to use it. By the end of the first quarter of 2025, second-lien withdrawals reached almost $25 billion, a three-month high not seen in 17 years, according to Intercontinental Exchange, Inc. Mortgage brokers and loan officers are working at fever pitch to capitalize on surging home equity line of credit (HELOC) demand.
On Aisle 7, a mortgage that can fit every homebuyer's need
For mortgage brokers and loan officers, there’s a lesson to be learned from the former Harvey’s Hardware, a family-run Greater Boston institution. Even with the arrival of big-box stores, Harvey’s thrived by being ready for anything. Small in square footage compared to the warehouse-sized retailers, it was packed, floor to ceiling, with every conceivable product a customer could want and was the go-to place for services like gas grill maintenance.
To the Rescue with the Right Loan at the Right Time
Despite the struggles of the real estate industry, property investors continue to build their portfolios at a fast clip. Last year, 25% of home purchases were investor transactions, according to CoreLogic. Moreover, according to U.S. Census data, real estate investors own and manage approximately 49.5 million units.
The Difference Between Competing And Closing
There are two main types of business-purpose borrowers: A natural person borrowing on their own behalf or with a co-borrower. Business entities transacting specifically for investment purposes (such as limited liability companies, or LLCs) that are borrowing money on behalf of the LLC. Rental properties under the ownership of non-individual investors, such as LLCs, have risen 18% over a recent two-year period according to the Rental Housing Finance Survey.
3 unique mortgage products to get today's homebuyer qualified Original
Today’s market means that more borrowers have higher debt-to-income ratios, limited access to credit and are looking for alternative ways to get qualified for a mortgage. Tom Davis, chief sales officer at Deephaven Mortgage, offers information about products that can get borrowers qualified and goes into some of the trends he’s seeing in the market today in this executive conversation. HousingWire: What factors are contributing to borrowers falling out of the Agency market?
Author Showcase: Tom Davis, Deephaven Mortgage
In Episode 020 of the Scotsman Guide Author Showcase, Carl White interviews Tom Davis of Deephaven Mortgage about his article, “Invest in Your Future” in the October 2023 issue of Scotsman Guide Residential Edition. Tom Davis is chief sales officer of non-QM lender Deephaven Mortgage. He joined Deephaven in 2022 and has more than 20 years of experience helping lending partners with their non-QM and agency needs.
Invest in Your Future
Over the past few years, wholesale mortgage companies have seen an uptick in mortgage brokers who are eager to expand their business by offering debt-service-coverage ratio (DSCR) loans. These funding mechanisms qualify borrowers based on the income generated by an investment property and are used to cover monthly debt-service payments.
East Midlands 'dealmaker' appointed partner at law firm's growing corporate team
A leading Midlands law firm has expanded its growing corporate team with the appointment of a new partner. Mallory Coxe has joined Leamington Spa-based Wright Hassall and brings with her a wealth of experience in acting for a vast range of owner-managed businesses, large corporate and private equity firms. Her arrival follows the appointment of Freya Summers in the firm’s eight-strong corporate team.
East Midlands industrial unit sold for £3.2m Original
A well-connected industrial unit in Northamptonshire has been sold for £3.2 million. Warwickshire-based The Wigley Group has sold Unit 1-7 Crick Industrial Estate, Eldon Way, to a London-based real estate investment firm. The Wigley Group, which owns and manages business and commercial property across the Midlands, initially purchased the site with vacant possession in 2017 for £1.8m and has carried out a series of improvement works at the premises since.
Nottingham lawyer credits hybrid working to return to practice Original
A corporate lawyer who quit the industry five years ago due to childcare pressures has credited her return to practice to a law firm’s hybrid working policy. Freya Summers says her ‘dream’ return to the field with Wright Hassall has only been made possible due to its flexible approach to hybrid working. Summers left practice at another law firm in 2018, having recently become a new mum at the time and seeking more flexibility from her working arrangements.
Leicester city centre trading estate snapped up in double deal
A logistics site in Leicester city centre has been snapped up as part of a double-deal. Warwickshire-based The Wigley Group has agreed to purchase Bermuda Park on Buckingham Close, Nuneaton, and a city centre trading estate on Craven Street, Leicester, at a total price of £7.95 million.
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