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Honesty Integrity
Commitment Professionalism

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.”

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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!

Recent Blog Posts

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Mortgage Pre-approval is Not What You Expect

Mortgage Pre-approval is Not What You Expect

Although going through the pre-approval process is more important than ever, the actual term ‘pre-approval’ is often misleading. It really addresses just a few variables that may arise once in the middle of an actual offer. The pressure in many markets has never been greater to write a condition-free offer, yet due to recent changes to lending guidelines by the federal government, the importance of a clause in the contract along the lines of ‘subject to receiving and approving satisfactory financing’ has also never been greater. (There are variations to be discussed with your Realtor around the specific wording of such clauses.)

Renting vs. Buying – A Question Everyone is Asking

Renting vs. Buying – A Question Everyone is Asking

By Caroline Harvey In today’s crazy real estate market it is, without a doubt, tougher for first-time buyers to hop into the market and purchase their first home. Some would suggest to keep renting until the market cools to prevent paying inflated prices.  Others would say to take your savings and invest in real estate now because the market will continue to grow and become hotter and hotter in the coming years. First-time buyers, like all buyers have a wish list. This will almost always include a typical detached home with an attached garage, in a lovely family neighborhood similar to what they grew up in – somewhere they can raise a family and live for 20 years.  These types of properties are hard to attain on your first purchase, and in today’s market especially, concessions will likely have to be made. It is never a bad idea to invest …
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Effect of foreign buyer tax still uncertain

Effect of foreign buyer tax still uncertain

On April 21, Toronto became the second Canadian city to implement a ‘foreign buyer tax’. The impact that the 15 per cent tax on residential real estate will have on the market remains to be seen. The fact remains that Toronto’s residential real estate supply remains at a 37-year low, and economics 101 taught us that reduced supply results in increased prices. Trying to tackle the problem of rapidly rising house prices from the demand side is popular when it is a method that primarily impact ‘other people’, especially outsiders who we grant less of a right to real estate ownership. Understandably we favour locals, or at least a definition of ‘local’ that resonates with voters. Vancouver was first to this approach in August of 2016, although the results remain unclear. The stats on the impact were skewed as many of the transactions set to close in the months following …
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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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Looking for KW Mortgage?  You’re in the right place!

The Valko team is very excited to announce our recent acquisition of the KW Mortgage banner.  

We here at the Valko Team will continue the exceptional high-quality standards that KW Mortgage had for many years!  Commitment, integrity and a passion to provide excellent customer service is paramount to our vision!

We look forward to assisting you with all of your mortgage financing needs!  Contact us today!