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Honesty Integrity
Commitment Professionalism

Why choose
The Valko Team?

Honesty, Integrity, Commitment & 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.”

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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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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!

VISA Cards

Dominion offers the power of the VISA brand, whether you are a first-time buyer or
an experienced buyer with an excellent credit we have access to the very best products and rates on the market

Collabria Visa* Centra Gold Card

  • Annual Fee: $50.00
  • Interest Rate: 9.90%
  • Zero Liability Fraud Protection
  • Earn MySelect Rewards
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
  • Accident Protection
Apply Now | Learn More

Collabria Visa* Student Card

  • Annual Fee: None
  • Interest Rate: 19.90%
  • Zero Liability Fraud Protection
  • Purchase Protection & Extended Warranty
  • Mobile Device Insurance
Apply Now | Learn More

Collabria Visa* Flex Card

  • Annual Fee: $40.00
  • Interest Rate: Variable; As low as 9.60%*
  • Zero Liability Fraud Protection
  • Earn MySelect Rewards
  • Purchase Protection & Extended Warranty
  • Mobile Device Insurance
Apply Now | Learn More

Collabria Visa* Classic Card

  • Annual Fee: $30.00
  • Interest Rate: 11.90%
  • Zero Liability Fraud Protection
  • Purchase Protection & Extended Warranty
Apply Now | Learn More

Recent Blog Posts

View more from the blog
Big Mortgage Changes Coming January First

Big Mortgage Changes Coming January First

There has been significant media coverage around upcoming changes to mortgage lending rules that will take effect Jan. 1, 2018. These rules will affect many more people than most realize. They will affect people seeking a mortgage most obviously, but they will also affect those with a mortgage in many ways as well. Let’s take a look at some key areas of concern for both groups, those with a mortgage, and those without (but seeking) a mortgage. What is the impact? A reduction of 20 per cent-plus in maximum borrowing power for those with a 20 per cent or GREATER down payment. You read that correctly, a big reduction for the group with the bigger down payments. The Have Nots You don’t have a mortgage yet, but you have a Pre-Approval, so you think you’re safe with that Pre-Approval…you may be and also you may not be. A select group …
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3 Mortgage Terms You Need to Know

3 Mortgage Terms You Need to Know

Prepayment, Portability and Assumability Prepayments One of the most common questions the Valko team gets is about mortgage prepayments.  The conditions vary from lender to lender but the nice thing about prepayments is that you can pay a little more every year if you want to pay off your mortage faster. A great way to do this is through prepayments. They’re always something to ask your broker about because each lender is very different.  You can always do an increase on your payments and that means that you pay a little bit more each week or each month when you make your mortgage payment.  You can also make a lump sum payment.  Perhaps you get a bonus every year or you get a lot of Christmas money.  You can just throw that on your mortgage.   It goes right on the principle so you’re not paying interest on those extra funds.  …
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Alternative Lending – What is it and Why might I need it?

Alternative Lending – What is it and Why might I need it?

This is a guest blog written by Dan Pauls from Magenta Capital written for The Valko Team.  Dan is a Business Development Manager for Magenta Capital.   “Alternative lending” is a broad term that covers the many loan options available to any borrower that might not qualify for traditional mortgage financing.  The reasons for borrowers not qualifying are widely varied, since every borrower has a situation or circumstance that is unique to them. Banks and traditional lenders have rigid, standard criteria that they must follow to approve someone for a mortgage.  Their borrowers’ credit history, job history, job type, income type, debt ratios, property type, down payment, etc. must all meet those requirements, which continue to get tighter and tighter in our current environment.  The benefit of the Alternative Lenders is that they can look at your unique circumstances for what they are, and they will assess the big picture …
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Our Leading 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.

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