FSRA# 13047
Valko Financial Ltd.

Honesty Integrity
Commitment Professionalism


About Tracy Valko

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.

Two years ago, Tracy expanded her vision to include founding Valko Financial Ltd., and now manages more than 30 professionals across Canada and a second office on the West Coast.  Named “Best New Brokerage of the Year” by the Mortgage Awards of Excellence in 2020, Tracy and her team consistently place in the Top 10 on the Dominion Lending Centres National Top Performers’ Report.  Tracy is among the top .4% within DLC, ranking her in the among the top three professionals in Canada (which has over 3,600 agents.

In 2017 Mortgage Professionals of Canada awarded Tracy the Broker of the Year.  In 2019 she was named among the Global 100 List with Mortgage Professionals of Canada. In 2020 she and her brokerage received the Best New Brokerage from the Mortgage Awards of Excellence.  She was also indicted into the Canadian Mortgage Professional’s Hall of Fame in 2020 and recently made the Mortgage Professionals of Canada’s Top 75 Mortgage Broker list for the fifth year in a row.  

Tracy and her team are the proud recipients of the Consumer Choice Award for Favourite Mortgage/Lending Company in Kitchener-Waterloo and Cambridge for the last six consecutive years! Cambridge Chamber of Commerce also recognized them for Marketing Excellence in 2021.

Tracy has co-authored two books, and continues to publicly advocate and speak on issues relating to mental wellness and suicide prevention.

When she’s not at the office, you’ll find Tracy at the barn with her daughter Meghan & (her newest obsession) Winston (Perfect Dream), or wading up the (Grand) river with her son Brendan.  She loves reading, running, meditating, dunking herself in ice baths, or just enjoying a nice quiet moment with her husband Bruno and Tess (their fur-baby) at home.

“I believe that heart-centred leadership is the ability to make things happen by inspiring and encouraging others, creating a catalyst for safety, authenticity, kindness, truth and excellent service”.

As a member of our local community, Tracy takes pride in giving back an taking part in numerous non-profit an charity activities.

  • Adopt a Family (AAF)
  • JDRF
  • Operation Christmas

Why use a mortgage broker?

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We take great pride in our commitment to our clients and we have been recognized for it! See why we are the leaders in the mortgage industry.

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