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Valko Financial Ltd.

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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!  

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.

10 Tips for Dealing with the Limbo of Separation and Divorce

This is a guest blog written by Colette Fortin, Owner of Fairway Divorce Solutions Waterloo-Wellington. Being in limbo – not knowing where one will be in the near future, whether it’s 3 months or 3 weeks, has got to be one of the most stressful stages of any life change – and especially in separation and divorce. As human beings, we like to have a sense of control and security.  So when the human brain is under stress, the ‘fight or flight’ mode is fully engaged.  Our sense of equilibrium is shaky.  We can easily become emotionally hijacked and we don’t have access to our rational brain. So how do you calm the fearful ‘lizard’ brain when you’re passing through the limbo phase of a separation and divorce?  Here are 10 suggestions for getting through the next few months. 1. Regain some perspective – if only to recognize that your …
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Alternative Lending – What is it and Why might I need it?

This is a guest blog written by Dan Pauls from Magenta Capital written for The Valko Team.  Dan is a Business Development Manager for Magenta Capital.   “Alternative lending” is a broad term that covers the many loan options available to any borrower that might not qualify for traditional mortgage financing.  The reasons for borrowers not qualifying are widely varied, since every borrower has a situation or circumstance that is unique to them. Banks and traditional lenders have rigid, standard criteria that they must follow to approve someone for a mortgage.  Their borrowers’ credit history, job history, job type, income type, debt ratios, property type, down payment, etc. must all meet those requirements, which continue to get tighter and tighter in our current environment.  The benefit of the Alternative Lenders is that they can look at your unique circumstances for what they are, and they will assess the big picture …
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Know your Options when it comes to Separation and Divorce

This is a guest blog written by Colette Fortin, Owner of Fairway Divorce Solutions Waterloo-Wellington. Divorce is ranked the second most stressful event in a person’s life.  People describe those early days of separation as a roller coaster of emotions.  Lack of sleep, brain fog and feelings of sadness, anger, fear of the future can leave you feeling overwhelmed.  Many times, there are so many good-intentioned advice givers that the anxiety of ‘what’s my next step’ is compounded.  The internet can also be filled with so much false or misleading information.  People simply don’t know where to turn. Fortunately, now more than ever, there are options available to help with your separation.  Understanding these options will help you and your spouse make the right choice for your situation.  the separation agreement is the legal document that describes the decisions a couple has made regarding 2 key areas – the finances …
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Renting vs. Buying – A Question Everyone is Asking

This is a guest blog written for The Valko Team by Caroline Harvey, Real Estate Representative for Team Harvey. In today’s crazy real estate market it is, without a doubt, tougher for first-time buyers to hop into the market and purchase their first home. Some would suggest to keep renting until the market cools to prevent paying inflated prices.  Others would say to take your savings and invest in real estate now because the market will continue to grow and become hotter and hotter in the coming years. First-time buyers, like all buyers have a wish list. This will almost always include a typical detached home with an attached garage, in a lovely family neighborhood similar to what they grew up in – somewhere they can raise a family and live for 20 years.  These types of properties are hard to attain on your first purchase, and in today’s market …
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Home Renovations – Building Value with Equity

This is a guest blog, written for The Valko Team by Cindy-Lou Schmidt, Real Estate Representative. Home Renovations — Building Value with Equity In a healthy real estate market, with steadily increasing appreciation rates, purchasing a home can be a great investment! But buying new property isn’t the only way to benefit — you might want to consider taking advantage of the equity you’ve built since purchasing your home. But before you grab the cheque book and credit card, and start logging on to Houzz.ca and Instagram for inspiration, remember that your home’s equity and the return on investment from each project is not realized until you actually sell your home. So what to do? Renovate S.M.A.R.T.: Stay on track When you have your budget lined up, stick to it! The middle of a kitchen reno is not the time to go over budget by falling in love with Italian sourced …
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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.

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