FSCO 10671
Forest City Funding
519-745-8019 Apply Now

Enter to Win!

Win a $2500
dream home makeover.

Enter to Win

View all awards

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.

Read All Testimonials

Why choose
The Valko Team?

Honesty, Integrity, Committment & Professionalism

Tracy Valko has been in the finance and banking business for over 16 years, and is a leading Mortgage Broker in the Tri-Cities area.

Tracy and her team truly stand out when it comes to working with their clients.  With honesty, integrity, commitment and professionalism at the core of their values, The Valko Team can help deliver the products and services you need to reach your financial goals!

“I pride myself on each of my clients not just being that a “client” but being apart of there journey in life. From first time home buyers to upgrading their home for the expansion of their family. Whichever the path my clients take in life I am always there to provide financial advise on the best options for their mortgage. Providing strategies for my clients on mortgage financing for one of the largest investments most people will make in life is a #1 priority to me.

My client appreciation events and touching base with my clients on an monthly basis is key to establishing a strong commitment to all my clients and whichever road they take to ensure I am there every step of the way when it comes to arranging mortgage financing on their home or investment properties.”

Read More

How can we help you?

Our Rates Apply Now Request a Call View all of our services

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

View more from the blog
Improving Your Credit Score

Improving Your Credit Score

Does your credit score keep you up at night? For some, this one detail in their life doesn’t pop up in their mind very much, because they know they’re making good money and paying all the bills on time. When you’re in that boat, it feels pretty good. But when you miss a payment or you struggle to pay all those credit cards, lines of credit and even your mortgage, it feels instead like you’re on a sinking ship without a life raft to save you. If you’re credit challenged but want to get into the housing market, it can be a tough road to hoe. But improving your credit to a point where a lender will give you chance, is very doable. First, I won’t bore you with the detailed minutia of credit scores. Basically, what you need to know is a score above 680 puts you in a …
Continue reading

What are the different types of lenders?

What are the different types of lenders?

One of the biggest aspects of a mortgage is figuring out the best lender. Since every file is unique, a good mortgage broker will likely tell you there’s no “best” lender. Instead, it will be those unique qualities in your mortgage that will determine which lender you’re going to use. In a typical mortgage, there are three potential types of lenders: the big banks, credit unions and monolines. A Bank A bank is a financial institution that accepts deposits, lends money and transfers funds. They are listed as public, licensed corporations and have declared earnings that are paid to stockholders. A key point: they are regulated by the federal government-Office of the Superintendent of Financial Institutions. Everyone knows the big banks and they are considered to be trusted. If you decide to use a fixed-rate mortgage from a big bank, keep in mind the penalty to break the mortgage will …
Continue reading

Should I Go Fixed or Variable?

Should I Go Fixed or Variable?

It’s the first and only thing anyone usually asks when you talk about your mortgage: What’s your rate? While everyone can recall their rate off the top of their head, it’s the only detail of the mortgage they remember or care to know. Though the rate is obviously important, your mortgage is so much more than a rate, and if you’re not paying close attention, it can cost you money. Before we dive deeper, let’s talk fixed rate vs. a variable rate and which one is better. Well, that all depends. First-time homebuyers and older homebuyers typically love the stability of a fixed rate. Keep in mind, seven-in-ten fixed mortgages are broken before the term ends. A fixed rate for five years is fine as long as you stick with a lender that’s going to calculate the penalty if you break your mortgage on the contract rate versus the Benchmark …
Continue reading

Our Leading Services

Home Purchase

Whether you are first-time buyer or an experienced buyer with excellent credit, Dominion Lending Centres has access to the very best products and rates available across Canada. Contact us today to find out more.

Refinancing

Canadians today have many reasons to refinance their mortgage - you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate.

Renewals

Homeowners should never accept the first rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal is unnecessarily costing the homeowner a lot of money on their mortgage.

Single Income

Today, interest-only loans, self-employment programs, rental purchase programs, vacation property programs, and a host of other innovative financing alternatives are dotting the home purchase landscape, making homeownership a reality for more people than ever.
View All Services

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.

Learn More

Request a call

Please provide the best time to call so we can ensure that we schedule your call at a time when we can reach you.

Copyright © 2018 The Tracy Valko Mortgage Team

Each office independently owned and operated Dominion Lending Centres
Forest City Funding | FSCO 10671
1 Commissioners Rd. East, Suite 109, London ON N6C 5Z3

Privacy Policy Terms of Use