Meet the Valko Financial Team

At Valko Financial, we're more than mortgage brokers—we're advisors, problem-solvers, and advocates. With decades of combined experience and a shared passion for helping Canadians thrive financially, our team is here to guide you every step of the way.

Meet Our Expert Mortgage Team

Tracy Valko

Founder-CVO / Principal Broker #M08006022

Tracy brings over 25 years of mortgage experience and a fierce dedication to empowering clients through every life stage. Her approach combines financial strategy with heart. As a nationally recognized speaker and thought leader, Tracy is passionate about educating Canadians on financial wellness and homeownership.

Clients trust her not only for her expertise but for the genuine care she brings to every conversation.

Contact Tracy

Santiago Agudela

Executive Account Manager / Mortgage Broker #M19001247

With years of experience in the industry, he brings a calm, confident presence to every conversation—making even the most complex situations feel manageable. Santiago is especially passionate about helping newcomers, self-employed individuals, and growing families navigate the path to homeownership.

Fluent in both English and Spanish, he ensures every client feels heard, understood, and empowered.

Contact Santiago

Matthew Shepherd

Underwriting Manager / Mortgage Broker #M21001910

Cindy White

Senior Underwriter / Mortgage Agent Level 2 #M18001815

Nikki Szczygiel

Underwriter / Mortgage Agent Level 2 #M15001457

Samantha Ratz

Client Success & Compliance Manager / Mortgage Agent Level 1 #M21000867

Connor Stroh

Senior Brokerage Operations

Meghan Valko

Client Experience Specialist

Daniela Salazar

Marketing Director

Brendan Valko

Brand Marketing Associate

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Valko Financial Ltd made my home-buying process seamless and stress-free. Their expert team found the best mortgage rates tailored to my needs. Exceptional service, clear communication, and a genuine interest in my goals—I highly recommend them!

- Emily Tran

Valko Financial Ltd exceeded my expectations with their personalized approach. Their team found me an incredible mortgage deal and guided me every step of the way. Professional, knowledgeable, and truly dedicated to their clients—I'm thrilled with the outcome!

- Jordan Mitchell

Valko Financial Ltd's team provided outstanding service throughout our mortgage process. Their attention to detail and commitment to finding the best solutions for us was impressive. We felt supported at every stage. Highly recommend their expertise to anyone in need of mortgage advice!

- Sarah Davidson

Valko Financial Ltd made my home-buying process seamless and stress-free. Their expert team found the best mortgage rates tailored to my needs. Exceptional service, clear communication, and a genuine interest in my goals—I highly recommend them!

- Emily Tran

Valko Financial Ltd exceeded my expectations with their personalized approach. Their team found me an incredible mortgage deal and guided me every step of the way. Professional, knowledgeable, and truly dedicated to their clients—I'm thrilled with the outcome!

- Jordan Mitchell

Valko Financial Ltd's team provided outstanding service throughout our mortgage process. Their attention to detail and commitment to finding the best solutions for us was impressive. We felt supported at every stage. Highly recommend their expertise to anyone in need of mortgage advice!

- Sarah Davidson

Valko Financial Ltd made my home-buying process seamless and stress-free. Their expert team found the best mortgage rates tailored to my needs. Exceptional service, clear communication, and a genuine interest in my goals—I highly recommend them!

- Emily Tran

Valko Financial Ltd exceeded my expectations with their personalized approach. Their team found me an incredible mortgage deal and guided me every step of the way. Professional, knowledgeable, and truly dedicated to their clients—I'm thrilled with the outcome!

- Jordan Mitchell

Valko Financial Ltd's team provided outstanding service throughout our mortgage process. Their attention to detail and commitment to finding the best solutions for us was impressive. We felt supported at every stage. Highly recommend their expertise to anyone in need of mortgage advice!

- Sarah Davidson

Your Path to Homeownership

Explore tailored mortgage options with Valko Financial Ltd at every step. We're ready to guide you through your mortgage journey.