Retirement Strategy
Retire with clarity, confidence, and a plan that fits your lifestyle
Retirement isn’t just about stepping back from work — it’s about stepping into financial freedom. At Valko Financial, we help you align your mortgage and home equity with your retirement goals, so you can enjoy the lifestyle you’ve worked hard to build.
Whether you’re looking to reduce monthly payments, eliminate debt, access home equity, or supplement your income, the right mortgage strategy can create peace of mind and long-term stability. From refinancing or downsizing to exploring reverse mortgage options, we’ll guide you through a personalized plan that supports your needs — today and in the years ahead.
This approach is ideal for homeowners nearing or already in retirement, individuals on a fixed income, or anyone looking to free up cash flow and build flexibility into their future. Let’s make your retirement everything you imagined — with financial clarity and confidence.
Can I access the equity in my home without selling it?
Yes. Options like a reverse mortgage or refinancing allow you to tap into your home’s equity while continuing to live in it. These strategies can help supplement your income, fund lifestyle goals, or provide a financial buffer in retirement.
Is it a good idea to carry a mortgage into retirement?
It depends on your financial goals and cash flow. In some cases, keeping a low-interest mortgage while investing your savings elsewhere can make sense. In others, paying down your mortgage or refinancing to lower payments may provide more peace of mind. We’ll help you weigh the pros and cons based on your situation.
What if I'm on a fixed income — can I still qualify?
Yes. Many lenders offer solutions designed for retirees or those on fixed incomes. Qualification is based on factors like home equity, credit history, and income stability. We’ll walk you through your options and help you find a strategy that works for you.
I had an excellent experience with the Tracy Valko team. Santiago and Matt were incredibly helpful, providing clear advice and great mortgage options tailored to my needs. They made the process simple and stress-free, especially with the paperwork, which they handled smoothly and efficiently. I really appreciated their professionalism and support throughout the process. Highly recommend them if you are looking for a mortgage good rate
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Diana Carreon
16 days ago
I have worked with Tracy and her team for over 10 years and would highly recommend her services. Tracy is responsive, knowledgeable, supportive and works to educate her clients. I have appreciated her personal service and guidance over the years. Thanks Tracy!
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Ms. Giraffezilla
18 days ago
Tracy and her team is a step above the rest! They are committed, helpful and have your best interest at heart. I should know, I have known some of them for 30 yrs.
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Helga Peller
8 years ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.