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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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Refinancing Could be the Key to a Lighter Debt Load

Refinancing Could be the Key to a Lighter Debt Load

This is an article that was published with the Cambridge Times on October 1, 2017, featuring our very own, Tracy Valko:   Tracy Valko of Dominion Lending Centres in Kitchener, Ontario, reminds homeowners that the solution to non-mortgage debt could be a lot closer to home than they think. Equifax Canada, which provides consumers credit bureau information, says that non-mortgage debt has risen 3.3 per cent in the second quarter of 2017- which is alarming, because household debt in Canada is already at al all-time high and many people are living paycheque to paycheque to make ends meet. However, if you’re having trouble making minimum payments on credit cards and other loans, the solution may be your mortgage equity.  If you’ve owned your home for some time, or even if you’re a relatively new home-owner and your property has increased in value substantially, you might be able to tap into …
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Time to Lock in a Variable Rate Mortgage?

Time to Lock in a Variable Rate Mortgage?

Approximately 32 per cent of Canadians are in a variable rate mortgage, which with rates effectively declining steadily for the better part of the last ten years has worked well. Recent increases triggers questions and concerns, and these questions and concerns are best expressed verbally with a direct call to your independent mortgage expert – not directly with the lender. There are nuances you may not think to consider before you lock in, and that almost certainly will not be primary topics for your lender. Over the last several years there have been headlines warning us of impending doom with both house price implosion, and interest rate explosion, very little of which has come to fruition other than in a very few localized spots and for short periods of time thus far. Before accepting what a lender may offer as a lock in rate, especially if you are considering freeing …
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Credit Scores:  Here’s what you need to know

Credit Scores: Here’s what you need to know

The interest rate you pay on loans for every major purchase you make throughout your lifetime depends on various factors, and is dependent on your creditworthiness – everything from the mortgage on your home to your car loan to your line of credit. And, given today’s ever-changing mortgage requirements and rising interest rate environment, your credit score has become even more important. Your first step towards credit awareness and wellbeing is to know where you stand. Request a free copy of your credit report online from the two Canadian credit-reporting agencies – Equifax Canada and TransUnion Canada – at least once a year. This will also help verify that your personal information is up to date and ensure you haven’t been the victim of identity fraud.   Newly established credit If you’re new to credit, you may wonder why your credit score pales in comparison to your friend’s. Payment history …
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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.

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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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