67: BEHIND THE BROKER with Kyle Green

69: BROKER ARMOUR #3 | MSA Unpacked: Education, Wind-Ups, & PMCs with Justin Noda

WATCH ▶️ ⁠⁠⁠⁠Watch this episode on YouTube⁠⁠⁠⁠ [https://youtu.be/DgnSfiKL-zI] *** EPISODE DESCRIPTION In this episode, Justin continues with the third episode of our Broker Armour podcast series. Broker Armour is our podcast series focused on compliance and regulatory changes affecting Canadian mortgage brokers. It aims to provide practical guidance and expert insights from regulators and industry professionals to help brokers navigate the increasingly complex regulatory landscape while maintaining compliance and protecting their businesses. This episode provides a comprehensive overview of the upcoming Mortgage Services Act (MSA) in British Columbia, detailing educational requirements, brokerage windup procedures, and the implications for personal mortgage corporations (PMCs).   Justin discusses: → When the BC Mortgage Services Act (MSA) is coming into effect (October 13th, 2026), and how it will change brokering in BC as we know it. → The new educational requirements & deadlines for the BC mortgage industry including MSA "Getting Started", MSA "The New Mortgage Broker Course", and MSA "Principle Broker #1 & #2". → The timeline of brokerage wind-up procedures, the steps you need to take, and how to decide between being a PMC or a brokerage. → Personal Mortgage Corporations (PMCs) - What a PMC is, who can own a PMC, PMC naming guidelines, the additional costs of a PMC, and the restrictions of a PMC including underwriter payment structures. *** CHAPTERS 00:00 Intro 00:35 The BC MSA Coming Into Effect October 13, 2026 01:18 #1: Educational Requirements 03:45 #2: Brokerage Wind-Up Procedure - Being a PMC vs Brokerage 10:03 #3: PMCs 11:07 What Can't a PMC Do 14:01 The Naming of a PMC 16:07 Who Can Own a PMC 16:57 The Cost of a PMC 18:01 Wrap-Up ***   CONNECT WITH THE SHOW 🎙️ The Mortgage Broker Podcast Podcast: ⁠⁠⁠@abetterwaymortgage⁠⁠⁠ [https://linktr.ee/themortgagebrokerpodcast?utm_source=linktree_profile_share<sid=bf8c6904-a28b-4518-9662-645edb5ce53b] 📺 The Mortgage Broker Podcast YouTube: ⁠⁠⁠@MortgageBrokerPodcastNetwork⁠⁠⁠ [https://www.youtube.com/@MortgageBrokerPodcastNetwork] 📝 The Mortgage Broker Podcast Blog: ⁠⁠⁠@ABWMedia⁠⁠⁠ [https://www.joinabw.ca/media] ***   CONNECT WITH THE HOSTS 📋 Justin Noda's LinkedIn: ⁠⁠@JustinNoda⁠ [https://www.linkedin.com/in/justin-noda-4b865719b/] 📋 Dean Lawton's LinkedIn: ⁠⁠⁠⁠@DeanLawton⁠⁠⁠⁠ [https://www.linkedin.com/in/dean-lawton-07184998/] 📋 Deryk Williamson's LinkedIn: ⁠⁠⁠⁠@DerykWilliamson⁠⁠⁠⁠ [https://www.linkedin.com/in/deryk-williamson-271697106/] 📋 Jason Marshall's LinkedIn: ⁠⁠⁠@JasonMarshall⁠⁠⁠ [https://www.linkedin.com/in/jasonmarshallma/] ***   CONNECT WITH A BETTER WAY MORTGAGES 🔗 A Better Way Mortgages Website: ⁠⁠⁠www.joinabw.ca⁠⁠⁠ [https://www.joinabw.ca/] 📸 A Better Way Mortgages Instagram: ⁠⁠⁠@abetterwaymortgages⁠⁠⁠ [https://www.instagram.com/abetterwaymortgages/] 📋 A Better Way Mortgages LinkedIn: ⁠⁠⁠@ABetterWayMortgages⁠⁠⁠ [https://www.linkedin.com/company/dominion-lending-centres---a-better-way/?originalSubdomain=ca] 👥 A Better Way Mortgages Facebook: ⁠⁠⁠@ABetterWayMortgages⁠⁠⁠ [https://www.facebook.com/abetterwaymortgages/] 📬 A Better Way Mortgages Tuesday Mortgage Memo: ⁠⁠⁠@ABWTuesdayMortgageMemo⁠ [https://www.joinabw.ca/abw-tuesday-mortgage-memo]

68: BEHIND THE LENDER with Brad Graham & Loren Hawkins | Three Point Capital

WATCH ▶️ ⁠⁠⁠Watch this episode on YouTube⁠⁠⁠ [https://youtu.be/8Fwx8A-mxwg] *** EPISODE DESCRIPTION In this episode, Dean & Jason are joined by Brad Graham and Loren Hawkins of Three Point Capital. Brad is the Chief Credit Officer & Principal Broker of Three Point Capital, bringing with him over 32 years of industry experience in real estate, mortgage lending & commercial lending. Loren is the Director of Broker Relations in Western Canada at Three Point Capital, making the move in October of 2019 after a successful 22-year career with multiple BC Credit Unions. Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M, focusing primarily on residential mortgages under $500,000. Brad & Loren are here to discuss: → Their backgrounds and what led them to joining Three Point Capital. → The journey of Three Point Capital and why they chose to be a conservative MIC lending primarily in residential mortgages. → Where Three Point Capital lends and how deciding on lending locations is more of an art as opposed to a science. → Unique Three Point Capital lending products, including their flexible Pathfinder & Elevation programs and residential construction options. → How to package a deal for Three Point Capital and the importance of utilizing your BDM to get files funded. → Common mistakes brokers make when submitting deals and how to fix them. → Three Point Capital's deal escalation process, why they want to tell you no quickly, and referring deals they can't do to trusted sources. → Why they never race to the bottom on rate and how doing so would hurt not only their investors, but also consumers. → Current trends in the housing market including it being down overall, and MIC/private deals becoming more common as consumers are facing more financial challenges. → Advice for brokers trying to build in this space and why it's so important to find the MICs that suit your client base. Three Point Capital Website: www.threepointcapital.ca [https://threepointcapital.ca/] Three Point Capital LinkedIn: @ThreePointCapital [https://www.linkedin.com/company/threepointcapital/] Three Point Capital Instagram: @teamthreepoint [https://www.instagram.com/teamthreepoint/] Three Point Capital Facebook: @TeamThreePoint [https://www.facebook.com/TeamThreePoint/] Brad Graham's LinkedIn: @BradGraham [https://www.linkedin.com/in/brad-graham-a9981243/] Brad Graham's Email: brad@threepointcapital.ca [brad@threepointcapital.ca] Loren Hawkins' LinkedIn: @LorenHawkins [https://www.linkedin.com/in/lorenhawkinsthreepointcapital/] Loren Hawkins' Email: loren@threepointcapital.ca [loren@threepointcapital.ca] Justin Theriault's LinkedIn: @JustinTheriault [https://www.linkedin.com/in/justinrtheriault/] Justin Theriault's Email: justin@threepointcapital.ca [justin@threepointcapital.ca] *** CHAPTERS 00:00 Intro 01:16 Brad's Background 02:33 The Journey of Three Point Capital 06:31 Loren's Background 12:04 Where Three Point Lends 14:19 Why Three Point is a Conservative MIC Lending Primarily in Residential 17:41 Deciding on Lending Locations - Art vs Science 21:17 Utilizing Your BDM to Get Files Funded 23:54 Unique Three Point Lending Products 30:37 Three Point's Residential Construction Program 34:54 Changing Policies & Never Racing to the Bottom on Rate 40:12 How to Package a Deal for Three Point Capital 42:18 Common Mistakes Brokers Make When Submitting Deals 45:32 Deal Escalation & Wanting to Get Deals Funded 48:28 Current Trends - Housing Market is Down, MIC/Private More Common Option 52:07 Find Your MICs 52:40 Advice for Brokers Building in This Space 55:56 Wrap-Up ***   CONNECT WITH THE SHOW 🎙️ The Mortgage Broker Podcast Podcast: ⁠⁠@abetterwaymortgage⁠⁠ [https://linktr.ee/themortgagebrokerpodcast?utm_source=linktree_profile_share<sid=bf8c6904-a28b-4518-9662-645edb5ce53b] 📺 The Mortgage Broker Podcast YouTube: ⁠⁠@MortgageBrokerPodcastNetwork⁠⁠ [https://www.youtube.com/@MortgageBrokerPodcastNetwork] 📝 The Mortgage Broker Podcast Blog: ⁠⁠@ABWMedia⁠⁠ [https://www.joinabw.ca/media] ***   CONNECT WITH THE HOSTS 📋 Dean Lawton's LinkedIn: ⁠⁠⁠@DeanLawton⁠⁠⁠ [https://www.linkedin.com/in/dean-lawton-07184998/] 📋 Deryk Williamson's LinkedIn: ⁠⁠⁠@DerykWilliamson⁠⁠⁠ [https://www.linkedin.com/in/deryk-williamson-271697106/] 📋 Jason Marshall's LinkedIn: ⁠⁠@JasonMarshall⁠⁠ [https://www.linkedin.com/in/jasonmarshallma/] ***   CONNECT WITH A BETTER WAY MORTGAGES 🔗 A Better Way Mortgages Website: ⁠⁠www.joinabw.ca⁠⁠ [https://www.joinabw.ca/] 📸 A Better Way Mortgages Instagram: ⁠⁠@abetterwaymortgages⁠⁠ [https://www.instagram.com/abetterwaymortgages/] 📋 A Better Way Mortgages LinkedIn: ⁠⁠@ABetterWayMortgages⁠⁠ [https://www.linkedin.com/company/dominion-lending-centres---a-better-way/?originalSubdomain=ca] 👥 A Better Way Mortgages Facebook: ⁠⁠@ABetterWayMortgages⁠⁠ [https://www.facebook.com/abetterwaymortgages/] 📬 A Better Way Mortgages Tuesday Mortgage Memo: ⁠⁠@ABWTuesdayMortgageMemo⁠ [https://www.joinabw.ca/abw-tuesday-mortgage-memo]

67: BEHIND THE BROKER with Kyle Green

WATCH ▶️ ⁠Watch this episode on YouTube⁠ [https://youtu.be/BbY9prLO05s] ***   EPISODE DESCRIPTION In this episode, Dean is joined by Kyle Green. Kyle is the Owner of both DLC Origin Mortgages and The Green Mortgage Team from Vancouver, BC, who has been a Top 25 Broker in Canada since 2017 (volume funded), a Top 10 Broker in DLC, and a member of the DLC Elite Hall of Fame over his nearly 20 years in the mortgage industry. Kyle leads with a sharp strategic mindset and an unwavering commitment to delivering exceptional client results, building his reputation by tackling complex financing scenarios and guiding clients through commercial deals, investment property acquisitions, and long-term real estate portfolio growth. His ability to simplify intricate lending structures while maintaining big-picture vision gives clients confidence at every step of the process. Since 2011, Kyle has been the Owner of The Green Mortgage Team, a top 25 brokerage since 2018 providing residential & commercial mortgages across Canada. In 2022, Kyle purchased Origin Home Financing Partners, merging into DLC Origin Mortgages, which funds approximately $1.4 billion in annually, which is in the top 5 of DLC franchises across Canada. Now, in a major announcement, Kyle & DLC Origin Mortgages are merging with A Better Way Mortgage Group, along with their underwriting model, Expressway, becoming a central pillar of the combined operation. Consolidating to give their brokers the best in underwriting, training, & support. Kyle is here to discuss:   → What led him to mortgages and his journey in the mortgage industry. → The importance of mentors in his career and working with Ozzie Jurock. → His first JV deal and becoming the Broker who's known for getting deals done. → Building client trust through public speaking and events, and how his Cash Flow Spreadsheet grew his database to thousands. → Why he believes in an educational based marketing approach and why new agents need to find their avatar clients. → Building a process in your business and putting your team in their right positions to succeed. → The parallel path shared by him & Dean in acquiring DLC Origin & ABW respectively. → Why underwriting centres always fail and what makes Expressway different. → Why ABW & DLC Origin are merging, unifying the underwriting across brokerages and teams, and the combined knowledge that will bring training to another level. → What the next 12 months will bring and what has got him excited to dive into. Kyle Green's LinkedIn: @Kyle Green [https://www.linkedin.com/in/kylegreenmortgage/] Kyle Green's Instagram: @kylegreen_14 [https://www.instagram.com/kylegreen_14/] DLC Origin Mortgages Website: www.joinorigin.ca [https://joinorigin.ca/] DLC Origin Mortgages LinkedIn: @DLCOriginMortgages [https://www.linkedin.com/company/home-n-work-mortgages-inc/] DLC Origin Mortgages Instagram: @originmortgages [https://www.instagram.com/originmortgages?igshid=OGQ5ZDc2ODk2ZA%3D%3D&utm_source=qr] Green Mortgages Team Website: www.greenmortgageteam.ca [https://www.greenmortgageteam.ca/] Green Mortgages Team LinkedIn: @Green-Mortgage [https://www.linkedin.com/company/green-mortgage/] Green Mortgages Team Instagram: @thegreenmortgageteam [https://www.instagram.com/thegreenmortgageteam/] ***   CONNECT WITH THE SHOW 🎙️ The Mortgage Broker Podcast Podcast: ⁠@abetterwaymortgage⁠ [https://linktr.ee/themortgagebrokerpodcast?utm_source=linktree_profile_share<sid=bf8c6904-a28b-4518-9662-645edb5ce53b] 📺 The Mortgage Broker Podcast YouTube: ⁠@MortgageBrokerPodcastNetwork⁠ [https://www.youtube.com/@MortgageBrokerPodcastNetwork] 📝 The Mortgage Broker Podcast Blog: ⁠@ABWMedia⁠ [https://www.joinabw.ca/media] ***   CONNECT WITH THE HOSTS 📋 Dean Lawton's LinkedIn: ⁠⁠@DeanLawton⁠⁠ [https://www.linkedin.com/in/dean-lawton-07184998/] 📋 Deryk Williamson's LinkedIn: ⁠⁠@DerykWilliamson⁠⁠ [https://www.linkedin.com/in/deryk-williamson-271697106/] 📋 Jason Marshall's LinkedIn: ⁠@JasonMarshall⁠ [https://www.linkedin.com/in/jasonmarshallma/] ***   CONNECT WITH A BETTER WAY MORTGAGES 🔗 A Better Way Mortgages Website: ⁠www.joinabw.ca⁠ [https://www.joinabw.ca/] 📸 A Better Way Mortgages Instagram: ⁠@abetterwaymortgages⁠ [https://www.instagram.com/abetterwaymortgages/] 📋 A Better Way Mortgages LinkedIn: ⁠@ABetterWayMortgages⁠ [https://www.linkedin.com/company/dominion-lending-centres---a-better-way/?originalSubdomain=ca] 👥 A Better Way Mortgages Facebook: ⁠@ABetterWayMortgages⁠ [https://www.facebook.com/abetterwaymortgages/] 📬 A Better Way Mortgages Tuesday Mortgage Memo: ⁠@ABWTuesdayMortgageMemo⁠ [https://www.joinabw.ca/abw-tuesday-mortgage-memo]

66: The Perfect Loan Process 2.0

WATCH ▶️ ⁠⁠Watch this episode on YouTube⁠ [https://youtu.be/NgcUdVL3niU]⁠ ***   EPISODE DESCRIPTION In this episode, Dean and Deryk discuss the evolution of their Canadian Perfect Loan Process, originally introduced two years ago, which has now transformed into version 2.0, for a far more comprehensive training for Canadian Mortgage Agents. Built on Tim Braheem's American coaching framework, they adapted it significantly for Canadian regulatory bodies including BCFSA, RECA, and FSRA, while now also smartly integrating AI. The result is a full nine-module CPLP system, and a lighter five-module version for solo brokers.   Dean & Deryk discuss:   → Developing the original Perfect Loan Process from the American legend Tim Braheem, and how they were able to adapt it for the Canadian market. → What the CPLP online platform is, what the modules cover, and what makes it unique. → Using the CPLP to develop documented workflows to create a repeatable process & enforce compliance for E&O protection. → The next level of business coaching, their AI Agent Coach, everything it can do, and how it should be used as a tool combined with human coaching. → Using the AI Agent Coach to build comprehensive business plans with honest feedback, keeping on track to stay connected with referral partners, and hold yourself accountable. → The lack of training in the Canadian mortgage industry, and why ABW continually invests to educate Agents from all brokerages. Canadian Perfect Loan Process: www.perfectloanprocess.ca [https://www.perfectloanprocess.ca/] Tenth Degree AI Course: www.mtg.course.tenthdegree.ai [https://mtg.course.tenthdegree.ai/] Mortgage Masters Webinar Series: www.mortgage-masters.ca [https://www.mortgage-masters.ca] *** CHAPTERS 00:00 Intro 1:20 Developing the CPLP 5:42 Adapting a US Process for the Canadian Market 9:44 Using the CPLP to Enforce Compliance 12:55 What the CPLP Platform is & How It's Unique 18:51 The AI Agent Coach - Next Level of Business Coaching 25:54 Combining the AI Agent with Human Coaching 30:43 The Realtor Engine - Staying Connected with Referral Partners 34:46 Current Canadian Mortgage Training & the ABW Difference 38:52 What's Next & Wrap-Up ***   CONNECT WITH THE SHOW 🎙️ The Mortgage Broker Podcast Podcast: ⁠⁠@abetterwaymortgage⁠⁠ [https://linktr.ee/themortgagebrokerpodcast?utm_source=linktree_profile_share<sid=bf8c6904-a28b-4518-9662-645edb5ce53b] 📺 The Mortgage Broker Podcast YouTube: ⁠⁠@MortgageBrokerPodcastNetwork⁠⁠ [https://www.youtube.com/@MortgageBrokerPodcastNetwork] 📝 The Mortgage Broker Podcast Blog: ⁠⁠@ABWMedia⁠⁠ [https://www.joinabw.ca/media] ***   CONNECT WITH THE HOSTS 📋 Dean Lawton's LinkedIn: ⁠⁠⁠@DeanLawton⁠⁠⁠ [https://www.linkedin.com/in/dean-lawton-07184998/] 📋 Deryk Williamson's LinkedIn: ⁠⁠⁠@DerykWilliamson⁠⁠⁠ [https://www.linkedin.com/in/deryk-williamson-271697106/] 📋 Jason Marshall's LinkedIn: ⁠⁠@JasonMarshall⁠⁠ [https://www.linkedin.com/in/jasonmarshallma/] ***   CONNECT WITH A BETTER WAY MORTGAGES 🔗 A Better Way Mortgages Website: ⁠⁠www.joinabw.ca⁠⁠ [https://www.joinabw.ca/] 📸 A Better Way Mortgages Instagram: ⁠⁠@abetterwaymortgages⁠⁠ [https://www.instagram.com/abetterwaymortgages/] 📋 A Better Way Mortgages LinkedIn: ⁠⁠@ABetterWayMortgages⁠⁠ [https://www.linkedin.com/company/dominion-lending-centres---a-better-way/?originalSubdomain=ca] 👥 A Better Way Mortgages Facebook: ⁠⁠@ABetterWayMortgages⁠⁠ [https://www.facebook.com/abetterwaymortgages/] 📬 A Better Way Mortgages Tuesday Mortgage Memo: ⁠⁠@ABWTuesdayMortgageMemo⁠ [https://www.joinabw.ca/abw-tuesday-mortgage-memo]

65: The BFS Market Is Exploding - And Most Brokers Are Missing It

WATCH ▶️ ⁠Watch this episode on YouTube [https://youtu.be/rlDk87Njbro]⁠ ***   EPISODE DESCRIPTION In this episode, Dean and Deryk break down what's been happening in their FREE CPLP course over the past 2 months, where over 500 brokers from across Canada have enrolled, drawn by coaching, AI tools, webinars, and a proven loan process framework. The final session, happening Wednesday, April 15th, is "Mastering Alternative Lending", specifically for the BFS market. Alternative lending grew 16% annually and saw a 15% funding increase in 2025, yet only 20% of Canadian Brokers feel confident handling these deals, and that gap is costing them hundreds of thousands in potential revenue.   Dean & Deryk discuss:   → Why they have made all their courses and workshops FREE for any Canadian mortgage Agent and the ways you can access them. → What they've covered in the FREE Mortgage Masters CPLP course so far. → What will be covered in the upcoming final session, Mastering Alternative Lending, including market positioning and prospecting strategies, exact client conversation frameworks, fee negotiation scripts, and key alternative lenders and BFS programs.   → The upcoming FREE 5 AI Wins workshop on Friday, April 17th, and the FREE Tenth Degree AI Course. Mortgage Masters Canadian Perfect Loan Process Course: www.mortgage-masters.ca [https://www.mortgage-masters.ca] 5 AI Wins Workshop: www.mortgage-masters.ca/ai-workshop [https://www.mortgage-masters.ca/ai-workshop] Tenth Degree AI Course: www.mtg.course.tenthdegree.ai [https://mtg.course.tenthdegree.ai/] *** CHAPTERS 00:00 Intro 0:59 Recapping the CPLP So Far 5:24 The Final Session: Mastering Alternative Lending 11:03 What the Session Covers 12:51 AI Workshop & AI Course 13:59 Wrap-Up ***   CONNECT WITH THE SHOW 🎙️ The Mortgage Broker Podcast Podcast: ⁠@abetterwaymortgage⁠ [https://linktr.ee/themortgagebrokerpodcast?utm_source=linktree_profile_share<sid=bf8c6904-a28b-4518-9662-645edb5ce53b] 📺 The Mortgage Broker Podcast YouTube: ⁠@MortgageBrokerPodcastNetwork⁠ [https://www.youtube.com/@MortgageBrokerPodcastNetwork] 📝 The Mortgage Broker Podcast Blog: ⁠@ABWMedia⁠ [https://www.joinabw.ca/media] ***   CONNECT WITH THE HOSTS 📋 Dean Lawton's LinkedIn: ⁠⁠@DeanLawton⁠⁠ [https://www.linkedin.com/in/dean-lawton-07184998/] 📋 Deryk Williamson's LinkedIn: ⁠⁠@DerykWilliamson⁠⁠ [https://www.linkedin.com/in/deryk-williamson-271697106/] 📋 Jason Marshall's LinkedIn: ⁠@JasonMarshall⁠ [https://www.linkedin.com/in/jasonmarshallma/] ***   CONNECT WITH A BETTER WAY MORTGAGES 🔗 A Better Way Mortgages Website: ⁠www.joinabw.ca⁠ [https://www.joinabw.ca/] 📸 A Better Way Mortgages Instagram: ⁠@abetterwaymortgages⁠ [https://www.instagram.com/abetterwaymortgages/] 📋 A Better Way Mortgages LinkedIn: ⁠@ABetterWayMortgages⁠ [https://www.linkedin.com/company/dominion-lending-centres---a-better-way/?originalSubdomain=ca] 👥 A Better Way Mortgages Facebook: ⁠@ABetterWayMortgages⁠ [https://www.facebook.com/abetterwaymortgages/] 📬 A Better Way Mortgages Tuesday Mortgage Memo: ⁠@ABWTuesdayMortgageMemo⁠ [https://www.joinabw.ca/abw-tuesday-mortgage-memo]