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.
We just renewed our mortgage with Samantha. She was excellent and made the process very easy. She responded to my questions often within an hour of me emailing and got us a great deal. We felt very taken care of.
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Stacey L
11 days ago
I had the pleasure of using Valko Fianancial for three homes now. I cannot reiterate how smooth and easy the whole process was from start to finish. I worked with Matt S this time around. And he was very calm, easy to chat with and got all the stuff in place making it a super stress free closing. I highly recommend them as they tend to find the best rates at the time of purchase and really talk to you about it. Answer all your questions respectively. 5 ⭐️!
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Natalie Nagy
13 days ago
We absolutely love our new home and we couldn’t have done it without Cindy White! She went over and beyond to make sure we felt comfortable with our purchase. Cindy was transparent and awesome to work with. This is our second time working with Cindy, highly recommended.
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Eston Simon
21 days 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.