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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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Home prices in Toronto rise to record levels and here’s what experts say will happen next 🏡📈

The frenzied pace of home buying Toronto experienced in 2020 has waned but prices continue to increase. As anyone searching for a home knows, it is difficult to find a decent home under $1 million unless you want to live in a shack or run-down bungalow. And it is not just in Toronto. Across Canada, home sales dipped -0.5 percent from July and -14 percent compared to 2020’s scorching summer market but it’s still the second-best August in history for real estate transactions, according to a new report from Zoocasa. “Canadian housing markets appear to be stabilizing somewhere in between pre-and peak-pandemic levels – which is to say, still extremely unbalanced,” said Canadian Real Estate Association senior economist Shaun Cathcart. Across the GTA benchmark home prices are up 17.3 percent year over year to $1,059,300, the report states. The main factor behind the price increase is the lack of homes on the market. “Greater Toronto buyers continued …
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August market update: Low inventory continues to be the main issue in Kitchener/Waterloo

The real estate market in Kitchener/Waterloo experienced record low inventory all summer and August, unfortunately, was no exception.  The average number of active listings was down 51% compared to August 2020, which, admittedly, was an exceptionally busy month. The months of inventory is now down to just 0.4, a figure that is slightly lower than last month and much lower than the 1.2 months of inventory recorded last August. The good news for sellers is that 85% of properties are selling for over the list price, a number that is up slightly from last month when it was 79%. On average, homes are selling for 14% over asking. Despite this low inventory, prices have remained flat from last month, at around $733,000. The only category to see a slight increase in average sale price was condos and apartments, up 3%. For now, the focus is on September, and the hope …
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Annual Inflation In August Rises to 4.1% in Canada–But Are We Close To The Peak?

Today’s release of the August Consumer Price Index (CPI) for Canada posted another uptick in the year-over-year (y/y) inflation rate, but hidden in the details was some support for the Bank of Canada’s position that the spike in inflation is transitory. The Bank has long suggested that the rise in prices will prove to be the result of base effects (y/y comparisons that are biased upward by the temporary decline in prices one year ago), supply disruptions, and the surge in pent-up demand accompanying the reopening of the global economy. This morning’s Stats Canada release showed that consumer price inflation surged to a 4.1% y/y pace last month, above the 3.7% pace recorded in June, and the 3.1% pace in May. This is now the fifth consecutive month in which inflation is above the 1%-to-3% target band of the Bank of Canada. The good news, however, is that the monthly …
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Top Risks and Trends in Canada’s Mortgage Market🏡

Ben Rabidoux, a real estate analyst and founder of Edge Realty Analytics, recently participated in a webinar hosted by Mortgage Professionals Canada where he outlined some of the key trends that could impact mortgage rates. From rising inflation and falling consumer confidence to changing real estate preferences, Canada’s mortgage market could be impacted on multiple fronts. Over the course of the pandemic, there’s been a flight of homebuyers out of the cities looking for single-detached homes with more space and privacy. As a result, places like Bancroft, North Bay, have seen annual home-price appreciations of more than 64% and 48%, respectively. To read for of the discussion, click here


Community Involvement

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

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