October 17, 2016

**New mortgage rule changes came into effect on October 17, 2016.**
**Click here to read about these changes, and how they can affect your mortgage financing.**

Check out our YouTube video below!

Tracy Valko


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 are 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!

Honesty • Integrity


Commitment • Professionalism

What our clients are saying

“Tracy is a very passionate individual, very keen on providing the best possible customer service at all times. She will go out of her way to look out for you and I know that I can trust and am absolutely safe with her whenever I deal with her. She is indeed an inspiration and we need more professionals like her to make our world a better place”

About Using a Mortgage Broker and How it Can Benefit You...

There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.

The Valko Team Recognition and Awards

We take great pride in our commitment to our clients and we have been recognized for it!

Recent Posts

  • As most of you will know, Canadians that borrow from a financial institution covered by the Bank Act with less than 20 per cent down payment must have mortgage default insurance.  The premiums that they charge are calculated based on the loan-to-value ratio of the mortgage.......

  • Our office sees clients of all kinds – people looking to purchase their first home, and even seasoned buyers looking to purchase their first, or maybe even third income property!  Regardless of what our clients are trying to accomplish, it can be overwhelming at times.......

  • There are a lot of factors that are playing into the Canadian economy right now.  Things like the changes to the Canadian housing market, new changes to our energy exports, and even the Fort McMurray wildfires have had an impact on the growth of our......

  • Dr. Sherry Cooper is Dominion Lending Centres’ Chief Economist, and in her latest blog post, she looks at the recent mortgage rule changes, current market trends, and even the effects of the US Presidential election that could be felt here in Canada. It looks like......


“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

To sum up your service in one word, I would have to say, ‘Wonderful’!
Thank you for your superior customer attention and efficiency. My wife and I have now gone through our second Purchase transaction with you and I have always found your service and knowledge base to be outstanding! I look forward to referring my friends and family to you so that they may benefit in the same was as we have.”

Robert Chancey

Looking for KW Mortgages?  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!