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Valko Financial Ltd.

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Why choose
The Valko Team?

Honesty, Integrity, Committment & Professionalism

Tracy has been a pillar of service and inspiration to the finance and mortgage industry for more than twenty-five years. Her professional foundation has been built on heart-centred leadership, honesty, integrity, commitment and professionalism.

Over the last two decades she has served clients right across Canada while cultivating beautiful relationships with the people and communities surrounding her Kitchener, Ontario office.

Tracy is a proud Accredited Mortgage Professional (AMP) member of Mortgage Professionals Canada, which is a national association of mortgage professionals dedicated to establishing and maintaining high standards, ethics and professionalism in the mortgage industry. She served three years as Executive Secretary on the MPC Board and continues to be a Champion member and advocate for fair mortgage practices across Canada.

For the last several years in a row, Tracy and her team have hosted hugely successful community events, such as “The Family Day Skate”, “Christmas Charity Event” as well as participating regularly in staple community initiatives, bringing our community together with several of our choice-charities (KW Humane Society, Waterloo Region Down Syndrome Society, The Food Bank, Child & Family Services, and more), local schools, sports groups and they regularly feature young entrepreneurs from the community.

Tracy has been recognized several times locally and provincially for her contributions and enduring support in giving back to the community and setting a shining example for others in the industry.

Her award-winning team of devoted underwriters, executives and support staff are always working behind the scenes to create an exceptional experience for the client, providing them with financial solutions that are catered to their individual and long-term needs.

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570 News Expert

Tracy Valko is a recognized expert on 570 News’ Ask the Experts! Have questions about mortgages, finanaces, and more? Tune in or watch our previous segments to have all of your questions answered.

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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!

Community Involvement

Your #1 Award Winning Mortgage Team is Heart Centred,
Community Strong! Every year we support a number of local initiatives.

Recent Blog Posts

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Bank of Canada maintains key interest rate

In today’s scheduled press release, the Bank of Canada announced that they will be maintaining the overnight benchmark rate at 0.25%. It is projected that interest rates will not rise until the second half of 2022. In a statement accompanied by the release of its quarterly Monetary Policy Report, the Bank rate remained steady at 0.5% with the deposit rate also left unchanged at 0.25%. The Bank also announced a further tapering of its bond program, reducing its weekly purchases of government bonds to $2 billion – a decrease of one-third. In its statement, the Bank noted that while the global economy is recovering strongly from the COVID-19 pandemic, that recovery is still “highly uneven, and remains dependent on the course of the virus.” The Bank’s Monetary Policy Report indicated that growth should rebound strongly as the economy reopens after COVID-19’s third wave. Growth of around 6% is forecast this …
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Nearly 4,500 homes sold in Waterloo Region this year

According to the Kitchener-Waterloo Association of Realtors (KWAR), nearly 4,500 homes have been sold in Waterloo Region in the first six months of 2021. There were 740 homes sold through its multiple listing service last month, representing a 10.1% jump from June 2020 and a 13.6% decrease from May 2021. “The number of homes sold in the Kitchener-Waterloo area these past 6 months surpasses any previous 6 months of activity through our MLS® System,” says Nicole Pohl, President of KWAR. “Since the beginning of the year, we have reported 4,393 home sales in Kitchener-Waterloo and area, which is remarkable.” One of the fastest-growing regions in Canada Pohl reported that Waterloo’s real estate market is one of the fastest growing in Canada. “We have, over the last three or four months now seen a stabilization in prices, which is really, really positive, not these crazy price increases every month, but that …
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The Valko Team is the WINNER for “The Best Mortgage Broker in Kitchener”

“We have awarded Dominion Lending Centres – The Tracy Valko Team as The Best Mortgage Broker in Kitchener for 2021. An overall quality score exceeding 95% was achieved, making them the top ranked in Kitchener.” -Quality Business Awards We are proud to announce that The Valko Team has been recognized as The Best Mortgage Broker in Kitchener by the Quality Business Awards! The Quality Business Awards recognize businesses that achieve an average quality score of 95% or greater over the previous 12 months. A heartfelt thank you to the Quality Business Awards for this amazing recognition! It is milestones like these that push us to keep improving our mortgage financing services. Click here to check out out our listing on the website!

What will happen next with Canada house prices?

Original Source:  Mortgage Broker News With the rate of homebuying in Canada cooling in recent weeks and house prices having declined nationally for two consecutive months, there’s been much conversation around the questions of whether bidding wars will die down and prices will continue moderating. While some believe that the federal government’s action on the mortgage stress test rate has had its desired effect – easing the trend of frenetic bidding far above list price – others in the mortgage industry have seen little evidence of that change in their markets. Tracy Valko (pictured), principal mortgage broker and owner of the Kitchener, ON-based Valko Financial, told Mortgage Broker News that the pace of bidding remained relentless in that region, continuing to expose what she said was a significant supply issue in the housing market. “What the government was looking to do in slowing down the market, and in trying to …
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