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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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Bank of Canada Rate Change: Here’s what you need to know

Bank of Canada Rate Change: Here’s what you need to know

As a home owner, or someone who is looking at purchasing a home, you’re probably wondering what today’s announcement from the Bank of Canada really means.  Today, for the first time in 7 years, the key interest rate was increased by a 1/4 percent, setting the rate at 0.75%.  This directly changes the Prime lending rate, which Banks and Mortgage Lenders use to set their rates. It’s no secret that the housing market here in Canada has been hot. In the Waterloo Region alone we have seen prices increase month over month by over 30%, according to the Kitchener-Waterloo Association of REALTORS®. Since the Bank of Canada has held the key interest rate for so long, it is only natural that in a strong economy this rate would eventually increase.  Current mortgage rates have been affected by the market as well: rates have been inflated because of market pricing, and …
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Make Your Voice Heard About Affordable Homes

Make Your Voice Heard About Affordable Homes

As you may know, the government has made changes to the rules and regulations around qualifying for mortgage financing last year. We are very proud that Tracy has joined forces with Mortgage Professionals Canada, attempting to drive positive change for Canadians. If you have been affected by these changes in any way, now is your time to speak up! www.tellyourmp.ca is a simple and easy way to express your concerns to those who need to hear it most. If you’re a first-time homebuyer, or looking to refinance – make your voice be heard!  

Thinking about putting in a firm offer?  Make sure you read this first.

Thinking about putting in a firm offer? Make sure you read this first.

The market is constantly changing these days, so if you asked me about affordability just a few weeks ago, I would have had a different answer, as the seller’s market has quickly shifted to a buyer’s market – for now, anyway. The key difference is that the inventory of available houses on the market in the Kitchener-Waterloo area – and many other places across the province – has kicked into high gear. This spring, many first-time homebuyers were quickly being priced out of the market due to multiple bidding scenarios that saw houses sell well over their asking prices. This was not an ideal situation for any buyer – let alone first-time buyers on a particularly tight budget. And while affordability was going by the wayside just a few weeks ago, so too were having a condition of financing and a home inspection included in the purchase offer. Weighing the …
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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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