Phone Number: 204-570-3383 / 1-877-937-8622 ext: 8611 

Region Served: Winnipeg and surrounding areas 

Languages: English and Portuguese 

Hi, I’m Felipe Torrezan, a Mobile Mortgage Specialist at Westoba. I know buying a home is a major decision. Whether you’ve just started your research or are actively house-hunting, I can help provide you with the personalized advice and solutions you need to make your homeownership goals happen. Let’s talk, get started by filling out the form below! Scroll down to learn more about my services. 

Make an Appointment Felipe Torrezan

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Do you know your credit score? 650 or below650 to 750750+I don't know or I'd rather not say Do you know your credit score?

What are you interested in? Purchasing a homeRefinancing/RenewingBuying a Rental/Investment PropertyNew to Canada Program What are you interested in?

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My Background and Experience

My wife and I packed everything we needed into four suitcases and came to Canada in 2016. I have an electrical engineering degree, but early on I had an interest in financial literacy and investments. When the opportunity arose in Canada to enter the financial industry, I took it. It was a natural choice. 

Many of my members can attest to my knowledge and dedication to helping guide them through the mortgage application process. What makes me different from other mortgage specialists is that I understand the steps an immigrant must take to get approved. Plus, I’m mobile! That means I can be flexible in coming to you; meeting you at work, the coffee shop, your backyard, whatever is easiest for you. I also provide a smooth process – I’m a specialist, this is what I do 24 hours a day, 7 days a week. 

Download Westoba’s ‘What to Bring to Your Mortgage Appointment’ Cheat Sheet

Some of My Services

New to Canada  

First of all, you need to understand that getting a mortgage as a new Canadian or temporary resident is possible and it might be easier than you think. Many don’t know they can be approved (I was one of them in 2016). That’s why it’s essential to seek proper guidance and have that guide put a plan place to help them being approved or to guide you on what you’ll need to work on for future approval. 

It is important to note that if you are using funds from outside Canada for a down payment, it will have to be in a Canadian financial institution for 30 up to 90 days depending on the case. 

Did you know, new Canadians and temporary residents can qualify for the same rates as everybody else? The rate does not change due to your status, rather, it changes due to the application strength (risk). 

Our New to Canada mortgage program helps applicants secure a mortgage even if they don’t have a job! 

Here’s a tip: Understand how your credit score works. This is a big one as many new to Canada either are too afraid to even have a credit check and thus don’t apply for anything, or the opposite, don’t care/know about their credit at all and think missing payments won’t bring consequences. The sooner you seek help, the higher your chances of having everything nicely packaged for when you’re ready to buy. 

Pre-Approvals

You can trust that I will let you know what you can afford and what your payments will be. Getting pre-approved for a mortgage should be the very first step for every potential home buyer before going shopping for a new home. A Pre-Approval can give you the confidence of knowing what financing is available, and it can help position you favourably to other home buyers who are not pre-approved. 

Purchases

Buying a home is one of the most important purchases a person will make in their life and the process can be overwhelming. With so many things to consider, it is important to work with someone who you trust to guide you through all the steps and ease some of the stress. 

Refinancing  

Mortgage refinancing can offer many benefits such as a better mortgage rate, lower mortgage payments, debt consolidation, home renovation and more. Also, unlike banks, we can refinance up to 80% of your property value through a mortgage or HELOC. I can help make sure you have the best option for your needs. I will let you know what you can afford based on your salary, lender criteria, and insurer criteria, and they can tell you what your monthly payments will be. 

Investment/Rentals  

I can help you develop your investment portfolio with an eye toward the future, making sure you have steady room for expansion as opportunities arise. 

Cottages/Vacation Homes

Westoba knows the rural market quite well and is willing to lend in areas where other financial institutions might not. A mortgage on a vacation home works light years differently than a loan for a primary run-of-the-mill residence. Did you know mortgages on vacation homes often require higher down payments and may have higher interest rates and property taxes, depending on the location? I’ll walk you through it.  

Mortgage Resources

• What to Bring to Your Mortgage Appointment
• Steps to Buying a Home and Getting a Mortgage
• Guide for First-Time Home Buyers

I have helped many happy homeowners, investors and friends since the start of my career. I take a no-nonsense approach to mortgages and my goal is to provide you with the straight goods. Whether you are ready to put in an offer, are just starting the hunt or have a mortgage up for renewal, I am here to help.