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.
Last month we opened the front door to our brand new home. We are so thankful for Tracy’s team who helped us through it all. Santiago was our realtor, and helped us sell our old home quickly, as well as look at rentals to bridge the gap. Matt took on our new mortgage and worked around the clock answering all the questions we had. He always took the time to explain everything in full! Whenever we called the office we were always met with the best customer service. We had a wonderful experience, a recommend their team if you are looking for a realtor or a new mortgage!
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Meg Marshall
12 days ago
Tracy and her team are great, they helped us successfully close on time and stress free.
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Cole Wilton
17 days ago
I recently met with Tracy Valko to review my house mortgage as I was about to enter retirement. I left that meeting feeling very at ease and satisfied that my concerns and needs were not only well take care of with a new plan of attack, but also in that emotionally, Tracy left me feeling acknowledged and appreciated for how my income stream was about to change in ways I had never experienced. I would recommend Tracy and her team for any mortgage planning and in fact, any financial planning period.
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Craig Dubecki
1 month 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.