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Honesty Integrity
Commitment Professionalism

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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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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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State of the Rate – 5.19%

  In order to find out how the current rate impacts you, we must first identify if you are an insured or uninsured borrower. Do you have less than 20% down? Securing an insured mortgage (otherwise known as a high-ratio mortgage) means you have less than 20% down, and your mortgage will be backed by the Canada Mortgage Housing Corporation (CMHC), Genworth or Canada Guaranty. The insurance premium is a one-time amount added to your final mortgage balance. A mortgage with less than 20% down is required to have insurance. This insurance is also referred to as default insurance which protects the mortgage lender in case there is a loss in principal balance as a result of a mortgage foreclosure. Both the lender and the insurer need to approve your application. The maximum home price allowed on an insured mortgage is $999,999. The maximum amortization for an insured mortgage is …
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Affordable housing announcement a taste of what’s to come?

On the same day, a report was released urging the sale of government-owned surplus lands, Doug Ford’s government did just that. The auspicious announcement concerns 200 affordable units included in two towers near Yonge and Wellesley Sts. in downtown Toronto, to go along with 700 purpose-built rental units, retail, and a daycare centre. The land was flipped to developers for $36 million, and according to Joe Vaccaro, CEO of the Ontario Home Builders’ Association, it’s a sign that, unlike the Kathleen Wynne-led Liberals, the Progressive Conservatives aren’t wasting time solving the housing crisis. “This government is very focused on the outcomes right now,” said Vaccaro. “In the past, it’s been about ‘Process, process, process,’ but this government wants the outcome and is very consistent with cutting red tape and its ‘open for business’ approach. Today’s deal has been in the works for a while and I think it’s the beginning …
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The bond market is now sending a clear signal: Go with a variable-rate mortgage

The bond market is now sending a clear signal: Go with a variable-rate mortgage. Many people started out Wednesday morning expecting three or more rate hikes in the next 18 months. Now, they’re wondering if we’ll see more than one. That’s how much rate expectations have changed since the Bank of Canada’s latest rate statement. If you’re shopping for a mortgage and believe what the bond market is telling us, it implies your odds of success with a fixed rate may have just changed. WATCH THE BOC’S ACTIONS, NOT ITS LIPS The Bank of Canada still maintains that its key bank rate is headed toward its estimated “neutral range,” which means 75 to 175 basis points higher than today’s 1.75 per cent (75 basis points equals three-quarters of a percentage point). But the bond market, which bakes in virtually all available information, is losing faith in the bank’s words. The …
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Mortgage Protection Plan – Interview with Max Labelle & Tracy Valko

Whether you’re buying your first home, or your 9th income property, there are a lot of things to consider… and mortgage insurance should be one of them. We are very fortunate to work with fantastic partners throughout all aspects of the mortgage industry, and we were excited when Max Labelle from Manulife’s Mortgage Protection Plan (MPP) to have a quick chat with Tracy about some key things that you should consider when looking into mortgage protection.  Check it out below! If you still have more questions, check out Sandra’s blog about MPP, or contact us today!  

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