A Better Way Mortgages

A Better Way Mortgages We’re licensed and accredited mortgage brokers with Canada’s #1 national mortgage company, DLCG
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We’re licensed and accredited mortgage brokers with Canada’s #1 national mortgage company, Dominion Lending Centres.

06/02/2026

Why I'll Never Race to the Bottom on Rate 🤬

"Drives me nuts. I think it's bad for the industry."

This week on The Mortgage Broker Podcast, Dean & Jason are joined by Brad Graham, the Chief Credit Officer & Principal Broker, and Loren Hawkins, the Director of Broker Relations in Western Canada, of Three Point Capital.

Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M. Their focus is primarily on residential mortgages under $500,000, secured in the first position, distributing all of their earnings every year by way of a monthly dividend to their shareholders.

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.

*****
📝 View this episode on our blog → https://podcast.joinabw.ca/episode/ep-68-behind-the-lender-three-point-capital-s-conservative-approach-to-private-lending

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game → www.joinabw.ca/media

▶️ Subscribe to our YouTube channel → www.youtube.com/

06/01/2026

How You Can Save 25% of Your Declined Files 🤯

"Look to you A or your B declines, probably 25-30% of those are doable in this space."

This week on The Mortgage Broker Podcast, Dean & Jason are joined by Brad Graham, the Chief Credit Officer & Principal Broker, and Loren Hawkins, the Director of Broker Relations in Western Canada, of Three Point Capital.

Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M. Their focus is primarily on residential mortgages under $500,000, secured in the first position, distributing all of their earnings every year by way of a monthly dividend to their shareholders.

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.

*****
📝 View this episode on our blog → https://podcast.joinabw.ca/episode/ep-68-behind-the-lender-three-point-capital-s-conservative-approach-to-private-lending

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game → www.joinabw.ca/media

▶️ Subscribe to our YouTube channel → www.youtube.com/

05/29/2026

Common Mistakes Broker's Make When Submitting Private Deals 😱

"Legal action is not a good exit strategy."

This week on The Mortgage Broker Podcast, Dean & Jason are joined by Brad Graham, the Chief Credit Officer & Principal Broker, and Loren Hawkins, the Director of Broker Relations in Western Canada, of Three Point Capital.

Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M. Their focus is primarily on residential mortgages under $500,000, secured in the first position, distributing all of their earnings every year by way of a monthly dividend to their shareholders.

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.

*****
📝 View this episode on our blog → https://podcast.joinabw.ca/episode/ep-68-behind-the-lender-three-point-capital-s-conservative-approach-to-private-lending

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game → www.joinabw.ca/media

▶️ Subscribe to our YouTube channel → www.youtube.com/

05/28/2026

Get Files Funded Faster By Utilizing Your BDM 💰

"I do find a lot of the time that brokers do underutilize the BDM."

This week on The Mortgage Broker Podcast, Dean & Jason are joined by Brad Graham, the Chief Credit Officer & Principal Broker, and Loren Hawkins, the Director of Broker Relations in Western Canada, of Three Point Capital.

Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M. Their focus is primarily on residential mortgages under $500,000, secured in the first position, distributing all of their earnings every year by way of a monthly dividend to their shareholders.

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.

*****
📝 View this episode on our blog → https://podcast.joinabw.ca/episode/ep-68-behind-the-lender-three-point-capital-s-conservative-approach-to-private-lending

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game → www.joinabw.ca/media

▶️ Subscribe to our YouTube channel → www.youtube.com/

Big thanks to Praveen from Coast Capital and Kevin from PHL Capital for yesterday’s presentations! Coast Capital shared ...
05/27/2026

Big thanks to Praveen from Coast Capital and Kevin from PHL Capital for yesterday’s presentations!

Coast Capital shared updates following their recent merger, along with current broker channel rates, incentives, and underwriting timelines to help brokers better support insured clients.

PHL Capital highlighted their flexible private lending solutions across residential, commercial, and construction financing — including fast turnarounds, open-term products, and creative solutions for complex deals.

Join us every Tuesday at 11 AM via the ABW Zoom Meeting Link. Recordings are available on the ABW Intranet. 🎥

05/26/2026

3 Unique Lending Products from Three Point Capital ☘️

"One of the highest comps out there in our industry to our broker partners."

This week on The Mortgage Broker Podcast, Dean & Jason are joined by Brad Graham, the Chief Credit Officer & Principal Broker, and Loren Hawkins, the Director of Broker Relations in Western Canada, of Three Point Capital.

Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M. Their focus is primarily on residential mortgages under $500,000, secured in the first position, distributing all of their earnings every year by way of a monthly dividend to their shareholders.

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.

*****
📝 View this episode on our blog → https://podcast.joinabw.ca/episode/ep-68-behind-the-lender-three-point-capital-s-conservative-approach-to-private-lending

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game → www.joinabw.ca/media

▶️ Subscribe to our YouTube channel → www.youtube.com/

05/25/2026

Three Point's Flexible Pathfinder Program ☄️

"To me that's a pretty rare product in the private space."

This week on The Mortgage Broker Podcast, Dean & Jason are joined by Brad Graham, the Chief Credit Officer & Principal Broker, and Loren Hawkins, the Director of Broker Relations in Western Canada, of Three Point Capital.

Three Point Capital Corp. is a Mortgage Investment Corporation (MIC) and non-bank mortgage lender with a portfolio totalling $270M. Their focus is primarily on residential mortgages under $500,000, secured in the first position, distributing all of their earnings every year by way of a monthly dividend to their shareholders.

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.

*****
📝 View this episode on our blog → https://podcast.joinabw.ca/episode/ep-68-behind-the-lender-three-point-capital-s-conservative-approach-to-private-lending

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game → www.joinabw.ca/media

▶️ Subscribe to our YouTube channel → www.youtube.com/

A massive thank you to all the incredible lenders and brokers who packed the room at Hazelton Manor, Ontario last week. ...
05/25/2026

A massive thank you to all the incredible lenders and brokers who packed the room at Hazelton Manor, Ontario last week. The energy was unmatched, the networking was next-level, and we love seeing so many new partnerships take flight.

Special thanks to our outstanding lending partners for showcasing their solutions at this event:

*Calvert Home Mortgage *PHL Capital *Tembo Financial *Heartwood Financial *Vault Mortgage *Three Point Capital *Neighbourhood Holdings *Alta West *Brookstreet *Hillmount Capital *Sequence Capital

But we aren’t slowing down! Mark your calendars for September 17, 2026. We will be back to host our next session featuring the absolute best of Canadian Alternative Lenders.

Keep a close eye on your inbox and our events page - registration details will be up very soon!

Visit us at https://zurl.co/tySSh

05/22/2026

A Better Way Mortgage Group is proud to announce that we have won the Home Trust National Impact Brokerage Award of Excellence!

This award recognizes outstanding professionals and organizations elevating the standards of integrity, leadership, and innovation in Canada’s mortgage industry.

A huge thank you to our dedicated team, agents and lender partners who made this national recognition possible. We’re excited to keep raising the bar!

Address

20178 96 Avenue C325
Langley, BC
V1M0B2

Telephone

+16045033887

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