The Mortgage Broker Podcast

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

58 min · 21. mai 2026
episode 68: BEHIND THE LENDER with Brad Graham & Loren Hawkins | Three Point Capital cover

Beskrivelse

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]

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73 Episoder

episode BEHIND THE LENDER with Elena Robinson | VP of Residential Sales, First National cover

BEHIND THE LENDER with Elena Robinson | VP of Residential Sales, First National

WATCH ▶️ ⁠⁠⁠⁠Watch this episode on YouTube⁠⁠⁠⁠ [https://youtu.be/oBu9IQ2OeqE] *** EPISODE DESCRIPTION In this episode, Dean & Deryk are joined by Elena Robinson. Elena is the VP of Residential Sales at First National from Etobicoke, Ontario, who has been in the mortgage industry for over 35 years. In 1990, she became First National's first BDM, a position she held for 3 years. After taking 20 years away to be a mortgage broker and other industry positions, she returned to First National in 2018 to help re-launch it's alternative lending division, Excalibur, and has been there ever since. A multi-award winner, Elena was recognized as CMP’s Women of Influence for 5 consecutive years from 2021 to 2025, listed as an Elite Women in the Global Best in Mortgage 2022, and the 2025 Mortgage Global 100. First National Financial is Canada's largest non-bank lender, originating, underwriting, and servicing both residential and commercial mortgages. As the leading lender of CMHC and conventional mortgages, First National currently has more than $150 billion in mortgages under administration. Elena is here to discuss: → Her journey in the mortgage industry and always working with brokers, the difference skills needed between sales & leadership roles, and why she went back to First National. → How first National became the largest non-bank lender in Canada and top 3 in the broker channel by offering value and consistency, why they stay committed to the broker channel, and how they measure success. → First National's deal flow, file escalation process, and the importance for brokers to build true partnerships with lenders. → First National's alternative lending division, Excalibur, and portal, Merlin, and how they are looking to combine AI process with the human experience. → The growth of alternative lending in Canada and why brokers must become comfortable with these files. → Current market trends in the Canadian mortgage industry including why volumes are down, what the science says about how many times your really need to be calling clients to get a deal, and why this is the time consumers need to be buying and not sitting still. *** 🔗 First National Website: www.firstnational.ca [http://www.firstnational.ca/] 📋 First National LinkedIn: ⁠ [https://www.linkedin.com/company/merix-financial/]@FirstNational [https://www.linkedin.com/company/first-national-financial-lp/] 📋 Elena Robinson's LinkedIn: ⁠ [https://www.linkedin.com/in/rachelle-gregory-7202799/]@ElenaRobinson [http://linkedin.com/in/elenadesousarobinson] 📸 Elena Robinson's Instagram: ⁠ [https://www.instagram.com/rachgregory31/]@elenarobinson10 [https://www.instagram.com/elenarobinson10/] *** CHAPTERS 00:00 Intro 00:31 Today's Guest: Elena Robinson 05:24 The Difference Between Sales & Leadership Roles 07:11 Are More People Leaving Institutions to Become Brokers? 08:28 Elena Has Only Ever Worked With Brokers 09:37 Why Elena Went Back to First National 11:01 Why First National Stays Committed to the Broker Channel 14:15 Building True Partnerships Between Brokers & Lenders 19:23 How First National Became the Largest Non-Bank Lender in Canada 23:19 Combining AI Process With the Human Experience 25:53 The Growth of Alternative Lending in Canada 30:03 Excalibur - First National's Alt Lending Division 32:38 Merlin - First National's Portal 34:30 First National's Deal Flow 37:03 First National's File Escalation Process 38:53 Current Market Trend - Mortgage Volume is Down, Ring Those Phones 43:00 Current Market Trend - Buy Now, Don't Sit Still 46:51 How First National Measures Success 49:54 Advice for Brokers 50:29 Wrap-Up ***

I går52 min
episode 71: BEHIND THE LENDER with Rachelle Gregory | SVP of Originations, MERIX Financial cover

71: BEHIND THE LENDER with Rachelle Gregory | SVP of Originations, MERIX Financial

WATCH ▶️ ⁠⁠⁠Watch this episode on YouTube⁠⁠⁠ [https://youtu.be/jjC64-xkDTE] *** EPISODE DESCRIPTION In this episode, Dean, Deryk, & Jason are joined by Rachelle Gregory. Rachelle is the SVP of Originations at MERIX Financial from Toronto, Ontario, who has been with MERIX for over 21 years since becoming their 3rd employee in 2005. Rachelle is analytical and growth-driven with extensive operational leadership experience encompassing sales, business development, customer service, process innovation, and team building. Founded in 2005 and acquired by MCAP in 2021, MERIX Financial has funded over $60 billion in mortgages and provided residential mortgages to over 300,000 Canadians from coast to coast. Rachelle is here to discuss: → Her journey in the mortgage industry, why her parents started MERIX and it's evolution, and what it was like in their early days. → MERIX successful trailer model, if more people are using them in today's market, and the unique ways brokers have used them for financial planning like paying assistants and maternity leave. → MERIX's alternative side, NPX, rolling it out to more provinces, and how leveraging tech can bring more consistency to alternative lending. → MERIX's designated renewal specialists for $10M producers and how it's helped them keep more renewals. → The importance of building relationships with underwriters and the right way to ask for a file escalation. → Why MCAP acquired MERIX, what it's been like combining cultures, and the collaboration between MERIX, MCAP, & RMG. → What a DISC assessment is, how it works, and how it can be beneficial in your business when dealing with co-workers, employees, lenders, and clients. → When she started teaching DISC, how often people should do a DISC assessment, and how brokers have found success by implementing DISC. → Dean, Deryk, & Jason's DISC styles and how it impacts their relationships with each other and also their business. *** 🔗 MERIX Financial Website: www.merixfinancial.com [https://www.merixfinancial.com] 📋 MERIX Financial LinkedIn: @MerixFinancial [https://www.linkedin.com/company/merix-financial/] 📧 Rachelle Gregory's Email: rachelle.gregory@merixfinancial.com [rachelle.gregory@merixfinancial.com] 📋 Rachelle Gregory's LinkedIn: @RachelleGregory [https://www.linkedin.com/in/rachelle-gregory-7202799/] 📸 Rachelle Gregory's Instagram: @rachgregory31 [https://www.instagram.com/rachgregory31/] *** CHAPTERS 00:00:00 Intro 00:00:31 Today's Guest: Rachelle Gregory 00:02:37 The Evolution of MERIX Financial 00:05:16 MERIX's Successful Trailer Model & Unique Use Cases 00:12:21 Is There a Renewal Program with MERIX's Alternative Side, NPX? 00:15:05 Rolling Out NPX to More Provinces & Leveraging Tech 00:20:40 Why Did MCAP Acquire MERIX? 00:23:01 Collaboration Between MERIX, MCAP, & RMG? 00:24:57 Why Did Rachelle's Parents Start MERIX? 00:26:09 How Have MERIX & MCAP Combined Cultures 00:27:24 MERIX's Designated Renewal Specialist for $10M Producers 00:30:31 Building Relationships with Underwriters & File Escalation 00:35:06 What the DISC Assessment Is & How it Works 00:44:53 When Rachelle Starting Teaching DISC 00:46:51 Dean, Deryk & Jason's DISC Styles 01:01:58 How Often Should People Do DISC Assessments 01:02:46 Have Other Brokers Implemented the DISC & Found Success 01:04:32 Advice for Brokers 01:07:24 Final Thoughts ***   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]

2. juli 20261 h 11 min
episode 70: BEHIND THE LENDER | The Private Lending Playbook with Sequence Capital's Christine Perkins cover

70: BEHIND THE LENDER | The Private Lending Playbook with Sequence Capital's Christine Perkins

WATCH ▶️ ⁠⁠⁠Watch this episode on YouTube⁠⁠⁠ [https://youtu.be/PlSSh7vziBw] *** EPISODE DESCRIPTION In this episode, Dean & Jason are joined by Christine Perkins. Christine is the Director of Business Development - Western Canada at Sequence Capital from the Greater Vancouver Metropolitan Area in BC, who has accumulated over 20 years of experience in the mortgage industry, spending the last 6 in her current role. She is also a repeat guest of the show, having first appeared in episode 32. Sequence Capital is a national, private mortgage lender dedicated to helping homeowners access the equity in their homes. With an experienced lending team and over $1.3 billion under management, they are designed to be a full-service lender, providing custom and competitive solutions for brokers and their clients. Christine is here to discuss: → How every private lender is different, with specific niches and policies, and aren't interchangeable like prime lenders, so brokers should focus on specific privates & MICs. → Why relationships with private lenders & BDMs matter so much in the private space, and how they are critical in unlocking exceptions and getting deals done. → The 3 habits to win private deals - communication, knowing your client and setting expectations, and relationships over rate shopping. → Why it's so important that brokers know their deals inside and out and are able to tell a borrower's complete story, and the effect that has on a deal as opposed to their financial picture. → What you need to know about a borrower, including credit, their exit strategy, and their property & portfolio. → How appraisals regularly hold up files, and the importance of property condition, economic life, and the type, and the risks of buying foreclosed property. → Sequence's new fixed-rate HELOC, what makes it a unique product, and how it can be accessed. *** 🎙️ Christine's 1st Appearance in Episode 32: https://podcast.joinabw.ca/episode/ep-32 [https://podcast.joinabw.ca/episode/ep-32] *** 🔗 Sequence Capital Website: www.sequencecapital.ca [https://www.sequencecapital.ca] 📋 Sequence Capital LinkedIn: @SequenceCapitalInc [https://www.linkedin.com/company/sequencecapitalinc/] 📸 Sequence Capital Instagram: @sequence.capital [https://www.instagram.com/sequence.capital/] 👥 Sequence Capital Facebook: @SequenceCapital [https://www.facebook.com/sequencecapitalmortgage] 📧 Christine Perkins' Email: christine@sequencecapital.ca [christine@sequencecapital.ca] 📋 Christine Perkins' LinkedIn: @ChristinePerkins [https://www.linkedin.com/in/christineperkinsmavis/] 📸 Christine Perkins' Instagram: @cperkins123 [https://www.instagram.com/cperkins123/] *** CHAPTERS 00:00 Intro 01:39 Every Lender is Different: Know Your Deal 04:38 Reaching Out to BDMs Early 06:47 Build Relationships with a Select Group of MICs & Privates 08:07 Do Lenders Research New Brokers? 09:37 The Importance of Telling the Story vs the Financial Picture 15:12 3 Habits That Win Deals - #1 Communication 18:47 #2 KYC & Setting Expectations 22:23 #3 Relationships Over Rate Shopping 24:59 Building Relationships Gets Deals Done 27:41 Know Your Property/Portfolio 31:04 Know Your Borrower 33:39 How to Make Sure an Appraisal Doesn't Hold Up a File 36:56 The Importance of Property Condition, Economic Life, & Type 39:57 Risks of Buying Foreclosed Properties 42:20 Sequence's New Fixed-Rate HELOC 46:53 Can the HELOC Be Used in Construction? 47:49 How to Access the HELOC 48:51 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]

18. juni 202653 min
episode 69: BROKER ARMOUR #3 | MSA Unpacked: Education, Wind-Ups, & PMCs with Justin Noda cover

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]

4. juni 202620 min
episode 68: BEHIND THE LENDER with Brad Graham & Loren Hawkins | Three Point Capital cover

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]

21. mai 202658 min