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Valko Financial Ltd.

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Honesty Integrity
Commitment Professionalism

Truth Builds Trust

What our customers
are saying

A Painless Process

Thanks so much for making the mortgage process so painless. I appreciated the advice and information you provided, and that you then allowed me to make my own decision. Also that you put up with my indecision over whether to go variable-interest or fixed!
Ruth Loewen

Instills Confidence!

Dear Tracy and Team,

Uzma and I would like to thank your whole team in making our current and previous mortgage experiences seamless and happy ones. We both appreciate the pleasant atmosphere, top notch and timely customer service at your office. Your role as our mortgage expert instills confidence in us. We hope to continue this relationship in future years.
Kasif and Uzma

Best possible solution

My wife and I were looking to consolidate our expenses to ease the burden, and we were referred to Tracy Valko by our current mortgage provider. When we spoke to Tracy about our needs and what we wanted to do, she found us the best possible solution, which would ease the financial strains. She shopped around to get us the best possible mortgage rate and consolidate other expenses. Tracy and her team always kept myself and my wife informed and up to date on the progress of our application with the lender in the best and professional manner, making the whole thing for us run so smooth. We would definitely use Tracy and her team again, and refer her to our friends and family. Thank you Tracy and to your team for all of your help! Truly appreciated!
Csaba and Carolyn S.

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Why choose
The Valko Team?

Honesty, Integrity, Committment & Professionalism

Hi, I’m Tracy. I’ve been in the finance and banking business for 25+ years. For the past ten years, I’ve been a mortgage broker specializing in the Kitchener-Waterloo area. Thanks to my passion for mortgage brokering, coupled with my dedicated team and loyal clients, I’m recognized by Canada Mortgage and Housing Corporation as a leading mortgage expert in my market. As well, three top lending institutions have awarded me with “status levels”, which means my clients receive preferred pricing as a result of the high volume of annual mortgage business I fund with these lenders. I consistently place in the Top 10 on the Dominion Lending Centres National Top Performers’ Report. I pride myself on my high level of mortgage knowledge, professionalism and experience, which translates into providing my customers with mortgages that are competitively priced and have features that best meet their unique needs.

I have a Bachelor of Arts degree from York University, a mortgage brokering license from Seneca College and I’m a proud Accredited Mortgage Professional (AMP) member of Mortgage Professionals Canada. Mortgage Professionals Canada is a national association of mortgage professionals dedicated to establishing and maintaining high standards, ethics and professionalism in the mortgage industry.

I opened my first professional office location in the Williamsburg Town Centre nine years ago, and I manage a group of four mortgage professionals, who are set to collectively fund nearly $80 million this year. I’m the proud recipient of the Consumer Choice Award for Favourite Mortgage/Lending Company in Kitchener-Waterloo and Cambridge for 2016, 2017, 2018, 2019 and 2020!

I have always remained focused on doing what it takes to run a successful business while also spending as much time as possible with my husband and two kids.

I pride myself on forging a long-term relationship with each client so that I become part of their life’s journey – regardless of whether they’re looking to purchase their very first home or move to another location, buy a vacation or investment property, or refinance or renew an existing mortgage. Whatever path my clients choose, I’m there to provide financial advice to ensure they always have the right mortgage suited to their unique situation. Providing strategies for my clients to optimize their hard-earned money throughout their lives as mortgage holders is my top priority.

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570 News Expert

Tracy Valko is a recognized expert on 570 News’ Ask the Experts! Have questions about mortgages, finanaces, and more? Tune in or watch our previous segments to have all of your questions answered.

Watch Previous Episodes

The Valko Team is very proud to announce that Tracy has become a member of Mortgage Professionals Canada!  Mortgage Professionals Canada works as the voice of Canada’s mortgage broker channel, and to be the leading authority on mortgage issues. They are a leader in our industry for education and leadership!

As of late, Mortgage Professionals Canada, along with Mortgage Brokers, Agents and other industry professionals have been advocating against the recent guideline changes made to mortgage lending.  They are working to lessen these restrictions, and help to normalize the real estate market that we are seeing today, making it easier for you to get the house of your dreams!

Recent Blog Posts

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10 Things you CAN do right now – #COVID19

1. It is irresponsible for us to guess at how long the COVID-19 pandemic will be with us.  What we do know for certain is that until there is a vaccine developed it is going to be an issue and until there is an anti-viral treatment we will be in self-isolation. This is emotionally and mentally draining for people and it is ok, it is allowed to be. I truly feel it is important in order to ensure that a few things are taken care of while we are still able, in order to assist in reducing the stresses that you will feel: -Consolidate Debts to improve cashflow -Place a Secured Line of Credit on a property when available to help with any emergency situations that might come up -Take out equity if you feel you need some additional money set aside 2. If you have found your income negatively …
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Recent Mortgage News

    CMHC commits additional $100bn to Insured Mortgage Purchase Program The agency expands its mortgage-buying program from the initial $50bn… Hundreds of thousands of homeowners seek mortgage payment deferral Canada’s big six banks report higher volumes of mortgage-related calls since relief plan was introduced…. A third of Canadians fear not meeting housing expenses due to COVID-19 Survey also says more than 40% lost their jobs or live with someone who has… Iqaluit condo owners see sharp rise in commercial insurance premiums Insurance companies being scared out of the city largely contributes to the increase…

Why Are Mortgage Rates Rising?

Over the past month, the Bank of Canada has lowered its overnight rate by a whopping 1.5 percentage points to a mere 0.25%. Many people expected mortgage rates to fall equivalently. The banks have reduced prime rates by the full 150 basis points (bps). But, since the second Bank of Canada rate cut on March 13, banks and other lenders have hiked mortgage rates for fixed- and variable-rate loans. That’s not what happens typically when the Bank cuts its overnight rate. But these are extraordinary times. The Covid-19 pandemic has disrupted everything, shutting down the entire global economy and damaging business and consumer confidence. No one knows when it will end. This degree of uncertainty and the risk to our health is profoundly unnerving.   Most businesses have ground to a halt, so unemployment has surged. Hourly workers and many of the self-employed have found themselves with no income for an …
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Relief on Credit Products and 6-Month Deferral for Mortgages

GOOD NEWS: An opportunity for releif on other credit products and a 6 month deferral for mortgages. Please contact your bank/lender directly for more information. View this post for bank/lender phone numbers.


Community Involvement

Your #1 Award Winning Mortgage Team is Heart Centred,
Community Strong! Every year we support a number of local initiatives.

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Mortgage Renewal Reminder

Here at The Valko Team, we pride ourselves on being your industry leading experts that can find you the best product to fit your needs – with a great rate! Sign up below to be reminded 120 days before your renewal date so you can lock in the best rate available.

 

 

 

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Why use a mortgage broker?

While the banks can only offer you their own mortgage products, we have access to hundreds of options from Canada’s largest banks, credit unions, trust companies, and financial institutions.

Plus countless other reasons, let us explain more.

Why a Broker?

We are highly recognized and awarded.

We take great pride in our commitment to our clients and we have been recognized for it! See why we are the leaders in the mortgage industry.

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