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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”.
– Tracy Valko (2021)
Hi, I’m Sharon. I’ve worked in the mortgage industry for over 10 years and have been with The Valko Team for two years.
I make sure that each client has an exceptional experience with us, at the beginning, throughout and at the end of our transaction.
I enjoy welcoming clients and assisting with a smooth running office.
My superpower is listening. I love to help out wherever I can.
I am very proud of my two sons who are both attending university; they keep me busy! In my spare time, I enjoy gardening, reading, projects around the house and spending time with my 2 year old rescue dog Ivy.
My goal for 2020 is to make more time for myself so I can volunteer at the animal shelter more often.
Hi, I’m Adam! Born and raised in Kitchener-Waterloo but I’ve been fortunate to see most of Canada in my previous career in Project Management. Truth is…I’m not that handy or handsome but I’ve always been a numbers nerd. I love Real Estate and the numbers behind it. I have the heart of a coach and I will find the best mortgage solution that suits your family’s immediate needs and for the future.
On top of being a Mortgage Agent/Underwriter, I wear many other hats such as Personal Chef, Entertainment Director, Personal Support Worker, and sometimes Life Warden to my 2 younger children. We enjoy golfing, skiing, and time away at our cottage with family and friends.
Hi, I’m Amy. Mortgage Agent/Underwriter, super mom, and baking queen.
After working 12 years in the optical industry, I made a life-changing decision to switch careers. In 2016, I began my journey as a Mortgage Agent. In 2018, I joined The Valko Financial Team as a Mortgage Agent and Underwriter. I am happy to be a part of such a supportive group of positive people who truly go the distance to help not only their clients but peers as well. The true definition of “TEAM” is right here with Valko Financial.
I pride myself on honesty, dedication, and continuing to educate myself to provide the best experience I can for you.
I am a mama of three amazing children! I truly cherish our downtime together. While nature is typically our go-to, we definitely enjoy a good kitchen dance party while cooking and cleaning up dinner. I’m also a firm believer that you’re never too old for a good hug!
A guilty pleasure of mine is sweets! Check out my Instagram page to see some of my baked creations. @sweetsntreats_bythebeech
Hi, I’m Brendan! I joined the The Valko Team in early 2019 and have thoroughly enjoyed the opportunity to expand many of our community-related initiatives.
I’m extremely passionate about sports, health, business and the KW community – especially the kids. When I’m not working with #TheValkoTeam, I’m working with our young aspiring athletes on the ice as I coach them to new levels of skill and mindset.
As a member of #TheValkoTeam I’m able to combine all of my interests and connect with our amazing community through our social media and community-related events and incentives. I’m very proud to be working and living in KW.
Hi, I’m Carol. I’ve been helping people realize the dream of homeownership, as well as save money on mortgage renewals and take advantage of home equity through refinances for more than 20 years.
I enjoy listening to my clients’ stories and then helping them reach their goals. Whether this involves purchasing their first home or building their beautiful new home on a country lot, everyone has a dream and it’s my job to help bring it to life.
Born and raised in the UK, I began my career in banking as a teenager. As a numbers person and someone who naturally searches for solutions to the most challenging situations, I quickly climbed the ranks and became a branch manager at just 20 years old. I’ve called Canada home since 1995 and haven’t looked back.
When I’m not hard at work saving my clients as much money as possible by ensuring they’re matched with the perfect mortgage to meet their needs, you’ll find me spending as much time as possible with my three grown kids – and especially with my granddaughter, Wren.
I also enjoy downtime with my other half, Gord, attending his baseball games, walking at the lake and getting together with friends.
Hi, I’m Cindy. I’ve been working in the mortgage industry for over 36 years, and recently joined The Valko Team in March of 2019.
It is my mission to give and maintain a standard of Client Service Excellence here at Valko Financial. “What you get by achieving your goals is not as important as what you become by achieving your goals.” — Henry David Thoreau
I love to snowboard, ski (downhill & cross country), mountain biking, kiteboarding, wakeboarding, wake surfing, hiking, golf, and when the weather allows, you’ll find me riding my motorcycle with my husband.
We have two cats that we adopted from the family dairy farm; Desmo and Pantera – named after a motorcycle and a car.
I enjoy working from anywhere in the world thanks to modern conveniences and technology.
Hi, I’m Heather Weston. I am an Office Administrator on The Valko Team.
My focus is effective and professional communication, organization, and attention to detail to keep our business performing at a level that would exceed our client’s expectations.
I am a mother of 2 amazing boys that fill my life with joy (daily)! Much of our time is spent either playing or watching sports. As a family we love to travel and experience new places. One of my passions is home design and décor. I always have a project on the go!
We have a Schnoodle named Holly that has as much energy as my children!
My goal for 2020 is to continue learning each day, in my career and as a parent!
Hi, I’m Kiruban, and I have 16+ years of experience as a Banker with over $1 Billion + in mortgages underwritten. I specialize in arranging mortgages for self-employed, rental properties, first-time buyers, investment property, refinance or renew an existing mortgage. Additionally, I have experience in credit repairs, Mortgage arrears, mortgage deferrals, bankruptcy, and Consumer Proposal.
I get the most complex deals done with ease!
In 2020, I was Nominated as the Lender Underwriter finalist of the year across Canada. I am also a proud Accredited Mortgage Professional (AMP) member of Mortgage Professionals Canada.
I am an out-of-box thinker, who applies a very hands-on approach to closing deals and keeps everyone appraised at all times.
I will Make It Happen and always answer/return your calls.
In my free time, I enjoy traveling, snorkeling, and golfing. I’m also a huge foodie and am passionate about real estate investing.
Hi, I’m Nancy! I have over 20 years of experience in the mortgage industry and I have recently joined The Valko Team in September of this year.