Mortgage Preapproval

A heartfelt thank you to Tracy Valko & the Valko Financial Team There are seasons when life shifts beneath you — and in one of those seasons, Tracy and her team became steady ground. From the first conversation, they saw me as a whole person, not just a file. Their wisdom, professionalism, and calm communication carried us through every challenge with clarity and care. Tracy’s expert guidance, paired with her incredible referral network, made selling our home — with renovations, staging, packing, and moving — an experience filled with trust and ease. Every person she connected us with was both professional and deeply kind. What could have been overwhelming became organized, supported, and even beautiful. I’m endlessly grateful for how they lightened the load and helped turn a life-changing transition into something I could move through with peace after an incredibly difficult year. I would work with Tracy, her team, and her referral network again in a heartbeat — not just for their expertise, but for the heart they bring to everything they do.

We had an excellent experience working with Tracy Valkos team, specifically Cindy, for our first mortgage! Their team was incredibly knowledgeable and patient, taking the time to answer every single question we had along the way. As first-time buyers, we really appreciated their expertise and guidance through the entire process — it made everything feel smooth and stress-free. We’ll absolutely reach out to them again in the future and highly recommend this team to anyone looking mortgage assistance.

We worked with Cindy for our first time completing a mortgage refinance. She was very responsive and answered all of our questions and clarified information about the mortgage financing process to make for a very comfortable experience overall. Highly recommend Cindy and Valko Financial!

Working with Tracy and her team was great. Tracy always goes that extra mile to get you the best rates and to find a solution that will work for you. I have work with Tracy many times and have always be satisfied with her work. She works crazy hours to get you what you need to get the best rates. I highly recommend anyone looking for a mortgage broker to keep Tracy in mind as you will not be disappointed.

The company is knowledgeable and transparent. They were able to meet our needs, the only hiccup was when our assigned contact changed jobs so things had to be redone. Once we were assigned a new agent it went smoothly and our deadlines were met!