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Valko Financial Ltd.

Honesty Integrity
Commitment Professionalism


About Tracy Valko

Tracy’s been in the finance and banking business for over 15 years and is currently a leading expert in mortgage brokering in the Kitchener/Waterloo area for the past 8 years.

Tracy is recognized by Canada Mortgage and Housing Corporation as a leading mortgage expert in her market as well as with 3 leading lending institutions that have awarded her with “status levels’ that offer preferred pricing to her clients as a result of her high volume of mortgage productivity. Tracy consistently places in the Top 40 on Dominion Lending Centre’s National, Top Performer’s report.  Dominion Lending Centers is Canada’s premier online mortgage company, with over 250 mortgage offices across Canada and 2,500 mortgage agents.  Tracy prides herself on her high level of mortgage knowledge, professionalism and experience that she translates into providing her customer’s mortgages that are competitively priced and have features that meet the her customer’s needs.

Tracy has a Bachelor of Arts degree from York University, a mortgage brokering license from Seneca College and is a proud “AMP” member of the Canadian Association of Accredited Mortgage Professionals (CAAMP).  CAAMP is a national association of mortgage professionals dedicated to establishing high standards, ethics and professionalism in the mortgage industry.

Tracy opened up a professional office location in the Williamsburg Town Centre 5 years ago now and manages a group of 4 mortgage professionals that will collectively fund over $50 Million in mortgages in 2013.

Tracy prides herself on balancing her successful business career with taking care of her two children who are 13 and 18 years old.

Her Philosophy

Each of my clients not just being that a “client” but being apart of there journey in life. From first time home buyers to upgrading their home for the expansion of their family. Whichever the path my clients take in life I am always there to provide financial advice on the best options for their mortgage. Providing strategies for my clients on mortgage financing for one of the largest investments most people will make in life is a #1 priority to me.

Client appreciation events and consistent contact with my clients is key to establishing a strong commitment to all my clients and whichever road they take to ensure I am there every step of the way when it comes to arranging mortgage financing on their home or investment properties.

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?

While the banks can only offer you their own mortgage products, we have access to hundreds of options from Canada’s largest banks, credit unions, trust companies, and financial institutions.

Plus countless other reasons, let us explain more.

Why a Broker?

We are highly recognized and awarded.

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.

Learn More

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