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.
Working with Tracy and Cindy has been a total breeze! They are knowledgable, kind, educating and make buying a home an ease. As a bonus, they both have an excellent sense of humour and are a blessing to work with. We would recommend to anyone looking to get a new mortgage!! Thanks ladies, from Amanda & Matt
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Amanda Mader
1 day ago
Linda Redzeposki
2 days ago
I have used the services of Tracy Valko's team for several mortgage services and always been very pleased. Cindy was very helpful and reassuring, even when unexpected challenges came up and everything was completed smoothly.
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Carly Lounsbury
4 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.