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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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Builders of Kitchener’s 1st legal tiny homes imagine a benefit to whole community Social Sharing🏡

Construction on the tiny home on Simon Wong’s property is on track to be complete by the end of 2021. He was the first person to receive a building permit from the City of Kitchener in August and got straight to work.  “It was a great opportunity for us and we took it and jumped,” Wong told CBC News of breaking ground in August. The Ontario city approved an amendment to a zoning bylaw allowing for the construction of tiny homes in April.  “I was very surprised,” said Wong of being the first to receive a building permit. “I thought there would be people ahead of us because it took a few weeks to get the permit and site plan all approved.” Wong’s tiny home is in the backyard of a home he and his wife purchased in April in the Vanier area of Kitchener. They renovated the main house into a duplex that is being rented out. …
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Prices are Rising Everywhere–Transitory Can Last A Long Time📈

Today’s release of the September Consumer Price Index (CPI) for Canada showed year-over-year (y/y) inflation rising from 4.1% in August to 4.4%, its highest level since February 2003. Excluding gasoline, the CPI rose 3.5% y/y last month. The monthly CPI rose 0.2% in September, at the same pace as in the prior month. Month-over-month CPI growth has been positive for nine consecutive months. Today’s inflation is a global phenomenon–prices are rising everywhere, primarily due to the interplay between global supply disruptions and extreme weather conditions. Inflation in the US is the highest in the G7. The economy there rebounded earlier than elsewhere in the wake of easier Covid restrictions and more significant markups. Central banks generally agree that the surge in inflation above the 2% target levels is transitory, but all now recognize that transitory can last a long time. Bank of Canada Governor Tiff Macklem acknowledged that supply chain disruptions …
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Canadian home prices continued to increase in September 📈🏡

Home sales across Canada went up by 0.9% between August and September 2021, according to the Canadian Real Estate Association (CREA). This change marked the first month-over-month increase since March. The chair of the CREA Cliff Stevenson said in a press release that it was the second-highest ever September sales figure by a sizable margin. “September provided another month’s worth of evidence from all across Canada that housing market conditions are stabilizing near current levels,” said Stevenson.  “In some ways, that comes as a relief given the volatility of the last year-and-a-half, but the issue is that demand/supply conditions are stabilizing in a place that very few people are happy about.”  The actual number of transactions in September was down 17.5% on a year-over-year basis, with the record for that month set last year.  The number of newly listed homes fell by 1.6% in September compared to August, as gains …
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The Kitchener-Waterloo housing market stats for September 2021 are here! 🏡📊⁠

KITCHENER-WATERLOO, ON (October 4, 2021) –– A total of 506 residential homes sold last month through the Multiple Listing Service® (MLS® System) of the Kitchener-Waterloo Association of REALTORS® (KWAR), a decrease of 32.1 percent compared to last September and a decrease of 5.9 percent compared to August. “While the total number of homes sold last month was down considerably compared to last September, it can still be considered an above-average month of activity when we remember that last September smashed any previous September for the number of sales,” says KWAR’s president, Nicole Pohl. “In fact, I would say we are on track for setting a record number of annual sales in 2021.”   Total residential sales in September included 267 detached (down 37.3 percent from September 2020), and 83 condominium units (down 11.7 percent). Sales also included 41 semi-detached homes (down 21.2) and 115 townhouses (down 33.5 percent).   In September, …
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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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