FSCO 13047
Valko Financial Ltd.

Honesty Integrity
Commitment Professionalism

Tel: 519-745-8019
Cell: 519-722-4175
Toll Free: 1-844-745-8019
Fax: 519-745-9437
tracy@tracyvalko.ca

Tracy Valko

Broker/Owner

Hi, I’m Tracy. I’ve been in the finance and banking business for nearly 20 years. For the past eight years, I’ve been a mortgage broker specializing in the Kitchener-Waterloo area. Thanks to my passion for mortgage brokering, coupled with my dedicated team and loyal clients, I’m recognized by Canada Mortgage and Housing Corporation as a leading mortgage expert in my market. As well, three top lending institutions have awarded me with “status levels”, which means my clients receive preferred pricing as a result of the high volume of annual mortgage business I fund with these lenders. I consistently place in the Top 10 on the Dominion Lending Centres National Top Performers’ Report. I pride myself on my high level of mortgage knowledge, professionalism and experience, which translates into providing my customers with mortgages that are competitively priced and have features that best meet their unique needs.

I have a Bachelor of Arts degree from York University, a mortgage brokering license from Seneca College and I’m a proud Accredited Mortgage Professional (AMP) member of Mortgage Professionals Canada. Mortgage Professionals Canada is a national association of mortgage professionals dedicated to establishing and maintaining high standards, ethics and professionalism in the mortgage industry.

I opened my first professional office location in the Williamsburg Town Centre seven years ago, and I manage a group of four mortgage professionals, who are set to collectively fund nearly $80 million this year. I’m the proud recipient of the Consumer Choice Award for Favourite Mortgage/Lending Company in Kitchener-Waterloo and Cambridge for 2016 and 2017!

I have always remained focused on doing what it takes to run a successful business while also spending as much time as possible with my husband and two kids.

I pride myself on forging a long-term relationship with each client so that I become part of their life’s journey – regardless of whether they’re looking to purchase their very first home or move to another location, buy a vacation or investment property, or refinance or renew an existing mortgage. Whatever path my clients choose, I’m there to provide financial advice to ensure they always have the right mortgage suited to their unique situation. Providing strategies for my clients to optimize their hard-earned money throughout their lives as mortgage holders is my top priority.

Mortgage Agent, Underwriter & Team Lead

Tel: 519-745-8019
Toll Free: 1-844-745-8019
melanie@tracyvalko.ca

Melanie Friesen

Hi, I’m Melanie. I pay close attention to detail and am the designated organization queen within the office. My expertise is in keeping files in order by piecing together each component of the mortgage puzzle. I deal with all the office paperwork, which keeps me on my toes trying to help out in every situation and ensure all deals run smoothly. I have a very strong analytical sense as well as a solid working knowledge of where deals should be placed, as I keep myself in-the-know when it comes to the latest lender offerings.

I’m the proud mother of three beautiful and active girls, who are heavily into sports, including ringette, hockey and horseback riding.

My husband and I help run organized events through the Juvenile Diabetes Research Foundation as two of our daughters were diagnosed with juvenile diabetes at an early age. We have a huge support group and we also support families who are going through similar situations.

Mortgage Agent &
Office Administrator

Tel: 519-745-8019
Toll Free: 1-844-745-8019
heidi@tracyvalko.ca

Heidi Danen

Hi! I’m Heidi, and I am the Mortgage Administrator for The Valko Team! I have a variety of work experience, all the way from dairy farming, to banking, to insurance and a background as a mortgage agent. I have always had a passion for getting to know new people, hearing their life stories and helping them make their dreams come true! I have a strong hard work ethic, organizational skills and a fun personality that looks forward to making people smile and to see the positive in everything. 

In my spare time I thoroughly enjoy being the treasurer of the Tavistock Royals hockey team, an executive member of the Stratford Agricultural Society and the organizer of the Stratford Fair Ambassador program.  I like to travel when I get the opportunity and spending time with my two dogs, Sadie and Tucker. 

Mortgage Agent
Broker Support & IT

Tel: 519-745-8019
Toll Free: 1-844-745-8019
marina@tracyvalko.ca

Marina Colussi

Hi, I’m Marina. I’m a graduate of the Bachelor of Public Relations at Conestoga College, and Mortgage Agent with The Valko Team. As a huge fan of budgets, excel sheets and planning, and I’m always happy to spend the time so my clients have an achievable goals.  I want to be a part of your long-term plans.

I purchased my first home last year and am into the full swing of homeownership- you can always find Brad and I at a hardware store, and I can tell you how to fix a leaky faucet.

When I’m not at work or working on my new house, you can catch me on the deck at my cottage in Collingwood, catching an NFL game (Go Green Bay!) and taking my pup, Marley, on a long walk. But first, coffee.

20180615_134247

In-House Legal Department
Valko Financial Ltd.

Tel: 519-745-8019
Direct: 888-676-3293
michael@tracyvalko.ca

Michael Solomon

Hi, I’m Michael, and I head the Legal and Compliance Department with Valko Financial Ltd., and The Valko Team!  I am a licensed mortgage broker specializing in private financing, and received my broker license at the age of 25, noted as one of the youngest licensees in Canada at the time.  I am an out-of-the-box thinker and can always find creative financing solutions for clients.  I am a licensed Paralegal, and prior to joining The Valko Team, I provided general legal services to the general public.

I currently live with my partner, Justin, in Toronto with our 16-year old Miniature Pinscher, Kiwi.  In my spare time, I enjoy spending time with family and friends, travelling north in the summer, and south in the winter to tropical destinations.

Client Care Coordinator

Tel: 519-745-8019
Toll Free: 1-844-745-8019
reception@tracyvalko.ca

Sharon Mitobe

Hi, I’m Sharon and I am the newest addition to The Valko Team.  I have worked in the mortgage industry for over 10 years, and enjoy welcoming clients and assisting with a smooth running office.  I’ll be here to greet you with a smile when you visit our office!

I am very proud of my two sons who are both attending university; they keep me busy!  In my spare time, I enjoy gardening, reading, projects around the house and especially spending time with my Golden Retriever, Lucy.

Marketing & Events Coordinator

Tel: 519-745-8019
Toll Free: 1-844-745-8019
sandra@tracyvalko.ca

Sandra Rohfrietsch

Hi, I’m Sandra. I’m a graduate of the Public Relations program at Conestoga College, and the Marketing and Events Coordinator for The Valko Team!

I am a licensed mortgage agent, and have years of retail banking and event planning experience.  I thrive on working with clients and partners in order to build relationships.

In my spare time, I enjoy interior decorating and working on home renovations, as well as hosting or visiting friends. I can often be found making something tasty in the kitchen, working in our garden or petting our cats, Ferris and Beatrix.

Greater Toronto Area

matthewshantz

Mortgage Agent

Tel: 416-655-1758
matthew@tracyvalko.ca

Matthew Shantz

Hi! I’m Matthew!  I started off as a Mortgage Agent back in 2009, and have held many roles in the financial space on both the Broker and the Lender side, working as a Credit Administrator, Underwriter and Business Development Manager. I’m a natural problem solver, with a strong understanding of how to package deals and find alternative solutions for Borrower’s needs.

Personally, I have a strong interest in real estate investment, literature, business strategy and international films and TV,  You can often find me down at the Toronto Harbourfront with a book in one hand and a coffee in the other.

Mortgage Agent

Tel: 647-515-8828
wesley@tracyvalko.ca

Wesley Au-Yeung

Hi, I’m Wesley!  I have worked in the financial industry for my entire professional career, and have a great understanding of money, assets/debts, and investments. Most recently, I was managing a real estate asset portfolio of over $19B at a major financial institution before joining The Valko Team. I am hardworking, determined, and enjoy helping people reach their financial goals. Outside of the financial world, my  hobbies include bonsai trees, computer games, and my new puppy, Bonus the Corgi!

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.

Learn More

Request a call

Please provide the best time to call so we can ensure that we schedule your call at a time when we can reach you.