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Valko Financial Ltd.
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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

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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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

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May Market Report

May Market Report

In this month’s market report, Tracy looks at the May real estate market with guest Realtor, Caroline Harvey from Royal LePage Wolle, right here in Kitchener. Caroline works closely with her husband, Mike, and TEAM HARVEY is consistently one of the top-producing teams with Royal LePage, and you can check out their current listings, or contact them here.

Do you need a financing condition?

Do you need a financing condition?

by Sandra Rohfrietsch   Let’s talk about financing conditions. The financing condition is a challenge for everyone purchasing in today’s market.  Everyone wants their offer to be the most attractive, especially when the market that has yet to slow down.  What you may not know, is that there can be some significant factors why your Mortgage Broker or Financial Advisor is pushing you to keep that financing condition in place; they have your protection in mind.  We’re going to look at three main reasons why your financing condition is important: Property – There may be something about the property that you or even your Realtor are unaware of.  Lenders and mortgage insurers (Canada Mortgage Housing Corporation or Genworth Canada) have access to details and information that can make or break the approval.  For example, if the property is built on land in a flood risk zone, or the condo board …
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What Mortgage Pre-Approval Means

What Mortgage Pre-Approval Means

You’ve decided it’s time to buy a new home. Whether it’s your first home or 25th, you’re now seeking a mortgage. And one of the first steps to getting the financing in place for your dream home is getting pre-approved for that mortgage. But before you start hunting for your new home, you need to understand a few things about the pre-approval process. We know going through any financing approval process can be stressful. While it will never be stress free, there are some steps you and your mortgage broker can take to make it less of a nail-biter. You should never assume you’re going to get financing because you make a lot of money, or if you’ve had numerous mortgages over the years. A good broker will ask for all the necessary documents up front, like your T4s and recent pay stub. The reason why you want to provide …
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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.
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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.

 

 

 

Your renewal date:

Please note: You will receive an email after submission confirming your enrolment to our reminder system.

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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Copyright © 2018 The Tracy Valko Mortgage Team

Each office independently owned and operated Dominion Lending Centres
Valko Financial Ltd. | FSCO 13047
623-1187 Fischer Hallman Road, Kitchener, ON N2N 3E2

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