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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 25+ years. For the past ten 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 nine 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, 2017, 2018, 2019 and 2020!

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

Tel: 519-497-0512
tim.bloomfield@tracyvalko.ca

Tim Bloomfield

Hi, I’m Tim. Proud member of The Valko Team, Father of two boys, and husband to an amazingly supportive wife. With over 15 years of experience in the Mortgage and Banking Industry, I’ve had the opportunity to help thousands of people either buy their first house, upgraded their family into a larger house, prevent a bankruptcy by refinancing, or just simply help people understand the mortgage process so they can save more money. I have dedicated my service so that my clients can be stress-free when getting a mortgage. Questions on a weekend – you can reach me. Friday afternoon and you want an update – you can reach me. Communication is important and I am proud that my clients do not have to say “I never heard back”. I am here to earn the right to be your broker for life!
I’m here to make the process easier for you and I make myself available evenings and weekends, and we can meet at a location that is convenient for your schedule. So reach out, I’m always happy to help!

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’ve worked in the mortgage industry for the last 14 years and have been a member of The Valko Team for nearly 10 years.

I pay very 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, soccer, hockey and horseback riding.

I am an animal-lover with five fur-babies at home.  We have three dogs; Nala, Mocha and Latte.  Luna and Ginny are our two cats.

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.

My goal for 2020 is to travel more.

Client Care Coordinator

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

Sharon Mitobe

Hi, I’m Sharon.  I’ve worked in the mortgage industry for over 10 years and have been with The Valko Team for a year.

and I am one of the newer members of 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.

My superpower is listening.  I enjoy welcoming clients and assisting with a smooth-running office.  I love to help out wherever I can.

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 spending time with my 2 year old rescue dog Ivy.

My goal for 2020 is to make more time for myself so I can volunteer at the animal shelter more often.

Senior Mortgage Underwriter

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

Angela Molyneaux

Hi I am Angela, a Senior Mortgage Underwriter.   I’ve been working in the mortgage industry for the last 13 years and have been with The Valko Team since February of 2019.

I am dedicated to customer service, problem solving and finding the best fit for the client in the most efficient way possible. “Nothing is impossible, the word itself says ‘I’m possible!” – Audrey Hepburn. I see that every deal has a solution and it is only a matter of putting the puzzle together!

When I’m not working, I’m travelling and discovering new places (locally and around the world).

I’m very passionate about everything I do and I love helping others.  As a member of The Valko Team I am able and encouraged to do what I love – helping people!

My goal for 2020 is to create success while spending more  time with family and friends.

Senior Mortgage Underwriter

Tel: 289-242-8820
cindy@tracyvalko.ca

Cindy White

Hi, I’m Cindy.  I’ve been working in the mortgage industry for over 36 years, and recently joined The Valko Team in March of 2019.

It is my mission give and maintain a standard of Client Service Excellence here at Valko Financial.  “What you get by achieving your goals is not as important as what you become by achieving your goals.” — Henry David Thoreau

I love to snowboard, ski (downhill & cross country), mountain biking, kite boarding, wake boarding, wake surfing, hiking, golf, and when the weather allows, you’ll find me riding my motorcycle with my husband.

We have two cats we adopted from the family dairy farm; Desmo and Pantera – named after a motorcycle and a car.

I enjoy working from anywhere in the world thanks to modern conveniences and technology.

My goal for 2020 is to grow my business through realtor referrals.

Events Coordinator

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

Shauna McNair

Hi, I’m Shauna, The Valko Team’s Events Coordinator.

I’m obsessed with details and I love bringing our team and our community together whenever and wherever possible.

Mortgages run in my family – I helped my father run his Dominion Lending Centres office, as well as being a mortgage agent myself.  Prior to joining The Valko Team, I also worked at DLC’s head office focusing on compliance.

I am a wife and a mother of two young boys.  Being a part of The Valko Team I am able and encouraged to make my family a priority while doing some of my life’s greatest work, personally and professionally.

My goal for 2020 is enjoy every minute with my family.

Strategic Coach

Tel: 519-745-8019
Toll Free: 1-844-745-8019

Gerry Halstrom

Born and raised in Vancouver, Gerry’s love for the real estate industry hit early, with his entry into a career in real estate at 20 years old. Over a career as One of Canada’s top producing Realtors and Brokers and with appointments as Senior VP in both Real Estate and Technology companies, Gerry has triumphed in many Canadian Real Estate markets, from Nanaimo, BC to Toronto, ON. Internationally, Gerry has worked on projects in the USA, Caribbean, and most recently the Philippines.

Mortgage Agent

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

Matthew Shantz

Hi! I’m Matthew!  I’ve been with The Valko Team since October of 2017.  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.

We can (through our actions) make people’s lives a little bit better every day.  I believe that what I do, who I work with here at Valko Financial and the things we accomplish daily do help make people’s lives a little bit better.

Personally, I have a strong interest in real estate investment, literature, politics, business strategy and international films and TV.  I love to cook and enjoy hosting friends and family.  You can often find me down at the Toronto Harbourfront with a book in one hand and a coffee in the other, or listening to podcasts about science, space and technology.

I have a 1-year old black Shiba Inu named Kaguya; named after the Japanese moon princess.

My goal for 2020 is to enjoy the property we recently purchased in downtown Toronto.

Mortgage Agent

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

Angela Baggio

Hi there – I’m Angela Baggio!

I joined The Valko Team in October of 2019 but have worked in the mortgage industry for over 25 years.  In addition to being a mortgage agent, I’m experienced in personal banking, financial planning, risk management and mortgage insurance.

“Helping clients secure and achieve their dreams of home-ownership is my motivation and also my passion”.

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!

Mortgage Agent

Tel: 519-400-4291
angelabaggio@dominionlending.ca

Angela Baggio

Hi there – I’m Angela Baggio!

I joined The Valko Team in October of 2019, but have worked in the mortgage industry for more than 25 years.

In addition to being a mortgage agent, I’m experienced in the areas of personal banking, financial planning, risk management, and mortgage insurance.

“Helping clients secure and achieve their dreams of home-ownership is not only my motivation, it is my passion.”

Marketing/Social Media

Tel: 519-277-5866
marketing@tracyvalko.ca

Brendan Valko

Hi, I’m Brendan!  I’m extremely passionate about sports, health, business and the KW community – especially the kids.  When I’m not working with #TheValkoTeam, I’m working with our young aspiring athletes.  As a member of #TheValkoTeam I’m able to combine all of my interests and connect with our amazing community through our social media and community-related events and incentives.  I’m very proud to be working and living in KW.

Marketing/Administrative Assistant

Tel: 519-745-8019
marketing@tracyvalko.ca

Susan Mac

Hi, I’m Susan, The Valko Team’s Marketing/Administrative Assistant.

I’ve worked in the customer service industry for over 3 years and I honestly love helping people. I’m also very creative and enjoy creating engaging content on social media.

I have lived in the Kitchener/Waterloo area all my life, so working at The Valko Team is great because I get to be involved in planning events in the community I grew up in.

Outside of work, I enjoy travelling and playing computer games.

Hi, I’m Susan, The Valko Team’s Marketing/Administrative Assistant.

I’ve worked in the customer service industry for over 3 years and I honestly love helping people. I’m also very creative and enjoy creating engaging content on social media.

I have lived in the Kitchener/Waterloo area all my life, so working at The Valko Team is great because I get to be involved in planning events in the community I grew up in.

Outside of work, I enjoy travelling and playing computer games.

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