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Honesty, Integrity, Committment & Professionalism

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.

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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!

Recent Blog Posts

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Market Interest Rates are Rising Almost Everywhere

Longer-Term Yields are Rising Despite Central Bank Inaction While central banks hold overnight rates at record lows, anchoring short-term interest rates and the prime rate, mid-to-long-term government yields have been rising since early this month. As the chart below shows, the 5-year Government of Canada bond, upon which mortgage rates are generally tethered, are currently at 0.69%, up 27 basis points since January 29th. This is the highest 5-year yield since late-March 2020.  Canadian bond yields have increased more than in the US, perhaps due to the surge in commodity prices, most notably oil, which has climbed 16.9% in just the past month, taking the year-to-date gain to 27%.Growing government debt arising from fiscal measures to cushion the blow of the pandemic and stimulate the economy has set the stage for higher government bond yields in much of the developed world. Inflation concerns are mounting. In a rare move, yesterday Statistics Canada revised …
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Kitchener is The 8th Most Expensive City for Rent in Canada

Image via Padmapper According to a recent study by Padmapper, Kitchener is one of the most expensive cities to rent in Canada. The report shows that the average rent for a one-bedroom apartment in Kitchener is $1,390, positioning them at 8th place in the nation. For a two-bedroom apartment, the average rate of rent is $1,670. This is up two positions from a previous report which shows that rent is increasing at a rate of 5.3% every year. Kitchener comes in just ahead of Hamilton and Montreal on the list. Rounding out the top three is Burnaby, Toronto, and Vancouver. For the full report from Padmapper, click here.

A Semi-Detached Home in Kitchener Sells for $300K Above Asking Price

A semi-detached home in Kitchener just sold for $300,000 above the asking price. The Kitchener-Waterloo real estate market is clearly not slowing down for the time being. Located in Kitchener’s Laurentian West neighbourhood, the home was listed for $500,000. 53 offers later, it sold for $801,000. According to the story covered by CTV News Kitchener, residents in the area were not surprised, citing the booming housing market in the Region of Waterloo. Kitchener-Waterloo is a very attractive region for people looking to move out of bigger cities. Statistics Canada recognized Waterloo Region as one of the fastest-growing places, population-wise, in the country. “It’s just driving up that purchase price,” said Nicole Pohl, president of the Kitchener-Waterloo Association of Realtors. “We just do not have enough supply and, when there’s high demand, that’s just the reality of economics.” What are your thoughts on the surging housing market in Waterloo Region? Comment …
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Valko Financial Wins “Best New Brokerage” at The Mortgage Awards of Excellence

Valko Financial is pleased to announce that we are the WINNER of the “Best New Brokerage” award for the Mortgage Awards of Excellence!   Click here to view the full virtual award show.   This award is for everyone in the Valko Financial Community! To our brokers, mortgage agents, admin staff, and marketing team: THANK YOU for your hard work and dedication over the past two years, it has not gone unnoticed. To the many clients that we have served: THANK YOU for your continued trust in our services. It has been a privilege helping so many families with their home financing.   With only two years in, Valko Financial is just getting started! We can’t wait to celebrate many more milestones and achievements to come.   A Message from Tracy… Thank you to all the incredible nominees. I am truly honored and humbled to be amongst so many outstanding …
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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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