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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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Weak April Jobs Report Reflects Canadian Lockdown

Original Source:  Dr. Sherry Cooper, DLC   Canada’s Jobs Recovery Impaired by Third-Wave Virus Restrictions   This morning, Statistics Canada released the April 2021 Labour Force Survey showing a major deterioration in the jobs market following the third-wave Covid containment measures. Employment fell by 207,100 (-1.1%) in April, and the unemployment rate rose 0.6 percentage points to 8.1%.Employment declined in both full-time (-129,000; -0.8%) and part-time (-78,000; -2.3%) work. The number of employed people working less than half their usual hours increased by 288,000 (+27.2%). The number of Canadians working from home grew by 100,000 to 5.1 million. Total hours worked fell 2.7% in April, driven by declines in educational services, accommodation and food services, and retail trade. The labour underutilization rate, which captures the full range of available people who want to work, rose 2.3 percentage points to 17.0% in April. The number of Canadians unemployed for 27 weeks or more–the long-term unemployed–increased to 486,000. This group might well be the most scarred by the pandemic in terms of their job prospects and …
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Number of Home Sales in April Second Highest on Record

The Kitchener-Waterloo housing market continued to break records in April 2021. The month saw a total of 843 residential properties sold through MLS, up 263.4% from April 2020. “Even if we do not take into account April 2020, when Ontario was in the early days of its state of emergency, it was still an exceptional number of homes sold last month,” says Nicole Pohl, President of KWAR. “The previous 10-year average number of residential sales for April was 618.” Residential properties sold in April 2021 included 484 detached homes (up 233.8% from April 2020), 111 apartment-style condominium units (up 382.6%), 67 semi-detached (up 294.1%) and 181 townhomes (up 285.1%). The average price of a home in Kitchener-Waterloo was $757,906 in April 2021, up 34.3% from April 2020. The average price of a detached home was $899,315, up 36.9% from April 2020. Additionally, condominium units sold for an average of $441,887 …
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Valko Financial Ltd. Goes National with Heart-Centred Leadership

We are incredibly honoured by all the love and support we’ve been receiving from our amazing industry (and beyond!).  See the latest issue of Mortgage Broker News for a taste of what we’ve got cooking! *special thanks to Rachel Major for the artwork – we love it!   Original Source:  Mortgage Broker News After more than a decade of accomplishments and growth as a top-producing mortgage broker in Kitchener (Ontario), Tracy Valko founded Valko Financial Ltd. in 2018 to share her passion and principles for excellence in service with a team of like-minded, community focused professionals. Valko Financial Ltd. started small, but always had mighty potential and results because of the individuals who believed in serving the clients and community with honesty, integrity, commitment, and professionalism. Great minds think alike, and heart-centred people gravitate to each other, so it’s no big surprise that even with three provinces between them (about …
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OSFI Proposes Rule Changes to The Stress Test

The Office of the Superintendent of Financial Institutions (OSFI) recently proposed a mortgage rule change to help slow down the overheated housing market. The current rule for mortgage approvals is that you must qualify as if the interest rate is 4.79% OR the contract rate plus 2%, whichever is higher. This is referred to as the Stress Test. The OSFI is proposing that on uninsured mortgages (mortgages with 20% down or more), the stress test rate is increased to 5.25% OR the contract rate plus 2%, whichever is higher. Below is an example of how much income it would take to qualify for a $300,000 mortgage at no stress test, the current stress test, and the proposed changes. The OSFI is inviting industry stakeholders to submit feedback on the rule changes by May 7th, 2021. OSFI will reveal its final plan for the rule changes on May 24th, 2021, with an enactment date of June 1st, 2021. As a heart-centred team that advocates for fair …
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