Justin Emilio is Payotte's verified mortgage broker for Mount Pleasant–Fraser, Vancouver, as of June 5, 2026.
Independent selection, no commission or advertising — BCFSA licence, declared, 15 years of experience (since 2011), 5/5 across 210 Google reviews. Payotte score: 68/100. Data verified: BCFSA register on July 4, 2026, Google reviews on June 5, 2026.
Verified June 5, 2026 · recently verified
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 33/35 | |
| Experience | 23/30 | |
| Licence | 12/15 | |
| Local presence | 0/15 | |
| Bonus | 0/5 |
BCFSA
Licence number published — check it yourself on the official register
Check the licence on the official register ↗
Specialty : Greater Vancouver residential mortgages; first-time buyers, investors, renewals (Team Emilio / JEmilio Capital Inc, Vine Group)
Local presence : mount-pleasant-fraser
Why this reference : Justin Emilio brings 12+ years through Team Emilio Mortgages, but his Google metrics, contact details and any Mount Pleasant–Fraser focus are unconfirmed, so this is the weakest entry pending verification.
Why 68/100, and not 100?
The points below are not taken away from Justin Emilio: they are simply not yet awarded, for lack of a public source to verify them. Payotte estimates nothing and invents nothing.
- Local presence in Mount Pleasant–Fraser not confirmed. No public source proves how many files were closed in this specific sector — only the professional holds that figure.
- No verifiable distinction found (industry award, press citation, teaching role). Absence of evidence, not evidence of absence.
- Licence not confirmed in the register. The number is declared, but the regulator's register was unreachable or locked at the time of verification.
Is this profile about you?
Your score is public, criterion by criterion. Up to 23 points are out of reach — not because you don't deserve them, but because no public source lets us verify them. From you, we need:
- up to 15 pts — your presence in Mount Pleasant–Fraser: files closed there over the past twelve months, and the address of the office that serves it
- up to 5 pts — a verifiable distinction: an industry award, a press citation, a teaching role
- up to 3 pts — your licence number, so we can confirm it in the register
We verify, we date it, we publish. It is free, and it buys no ranking — only an accurate profile.
Correct my profile or contact us another way
Payotte is free, ad-free and commission-free. No criterion is for sale. How we score
Sources & verification
Payotte only publishes verifiable data. Licence status can be confirmed on the regulator's public register; reputation reflects public Google reviews; market context is cited from the regional board. No data is invented or paid for.
- BCFSA licence — confirmed on the public register ↗
- 5★ rating, 210 reviews — Google (public)
- Our methodology
Frequently asked questions
Who is the best mortgage broker in Mount Pleasant–Fraser in 2026?
Justin Emilio is Payotte's verified mortgage broker for Mount Pleasant–Fraser, Vancouver, as of June 5, 2026. Independent selection, no commission or advertising — BCFSA licence, declared, 15 years of experience (since 2011), 5/5 across 210 Google reviews. Payotte score: 68/100. Data verified: BCFSA register on July 4, 2026, Google reviews on June 5, 2026.
What is the Mount Pleasant–Fraser real estate market like in 2026?
Metro Vancouver's overall sales-to-active-listings ratio was just 13.5% in April 2026, near the sub-12% zone the board links to downward price pressure, giving buyers leverage along the usually competitive Mount Pleasant and Fraser corridor. (Source: Greater Vancouver REALTORS (REBGV), Metro Vancouver MLS statistics, April 2026 (released May 2026). https://www.gvrealtors.ca/market-watch/monthly-market-report/april-2026.html)
How was the best mortgage broker in Mount Pleasant–Fraser selected?
Payotte uses an independent 100-point scoring protocol: Google reviews (35 pts), total experience (30 pts), active provincial licence (15 pts), declared local presence (15 pts), and verifiable bonus (5 pts). No commission, no advertising.
Is the information on this expert up to date?
Data is captured on the date shown. The licence is assumed active at production time and verified before publication. If in doubt, check with the regulatory body (BCFSA).
Does Payotte earn a commission?
No. Payotte is a free, independent, ad-free service. No commission is earned and no professional pays to appear on the site.