Fred Camingal - Toronto Pinoy Realtor

Fred Camingal - Toronto Pinoy Realtor

  • Home
  • Newsletters
  • Videos
  • Articles
N.S. reforms for people with disabilities behind schedule but has momentum: province
N.S. reforms for people with disabilities behind schedule but has momentum: province

The Nova Scotia government says its five-year plan to bring about sweeping reforms in housing and care for people with disabilities is behind schedule but gaining momentum.

Read More
Jun 10, 2025
New Brunswick not properly maintaining public housing stock, says auditor
New Brunswick not properly maintaining public housing stock, says auditor

New Brunswick's auditor general says the province's public housing agency is not properly maintaining its stock of subsidized homes.

Read More
Jun 10, 2025
GST relief on new homes could save 1st-time buyers up to $240 on mortgages: report
GST relief on new homes could save 1st-time buyers up to $240 on mortgages: report

The Liberal plan to give first-time homebuyers a tax break on a newly built home could have substantial impacts on housing affordability — with a few caveats — a new analysis finds.

Read More
Jun 09, 2025
B.C. to restore housing aid to families with sick children in Vancouver hospitals
B.C. to restore housing aid to families with sick children in Vancouver hospitals

The British Columbia government says it's working to reverse changes that slashed accommodation funding for out-of-town parents whose children receive specialized hospital care in Vancouver.

Read More
Jun 09, 2025
Mortgage tech’s customer conundrum: Who are platforms really built for?
Mortgage tech’s customer conundrum: Who are platforms really built for?

This is such a basic question that you might be asking yourself, "how could an entire article be dedicated to answering this?"

Read More
Jun 09, 2025
Average asking rents fall annually for eighth straight month to $2,129: report
Average asking rents fall annually for eighth straight month to $2,129: report

The national average asking rent in May was down 3.3% from a year earlier at $2,129, marking the eighth consecutive month of year-over-year decreases.

Read More
Jun 09, 2025
Montreal home sales, prices rise in May despite steady rates and economic uncertainty
Montreal home sales, prices rise in May despite steady rates and economic uncertainty

Home sales in the Montreal-area rose again in May compared with the same month a year ago, as the city's real estate board says both activity and price growth show no signs of tapering off.

Read More
Jun 09, 2025
Got extra cash? Here’s when experts say it’s best to make a lump-sum mortgage payment
Got extra cash? Here’s when experts say it’s best to make a lump-sum mortgage payment

Being mortgage free can seem like a distant goal when the outstanding balance is in the hundreds of thousands of dollars and most of your regular payments are going toward paying interest.

Read More
Jun 09, 2025
Gen Z credit use up 30%, as Canada’s consumer debt hits $2.5 trillion
Gen Z credit use up 30%, as Canada’s consumer debt hits $2.5 trillion

Canada’s consumer debt climbed to a record $2.5 trillion in the first quarter, with Gen Z, newcomers and subprime borrowers driving the surge, according to TransUnion’s latest Credit Industry Insights Report.

Read More
Jun 08, 2025
S&P/TSX composite down more than 200 points, U.S. markets fall amid debt worries
S&P/TSX composite down more than 200 points, U.S. markets fall amid debt worries

Canada’s main stock index took its biggest tumble in nearly six weeks on Wednesday, while American markets fell even harder under pressure from rising U.S. Treasury yields amid worries about the U.S. government's spiralling debt.

Read More
May 22, 2025
  • «
  • 1
  • 2
  • ...
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • ...
  • 36
  • 37
  • »

Fred Camingal - Toronto Pinoy Realtor

Helping You Find Home with Confidence, Not Confusion

I still remember my first home purchase. The overwhelming paperwork. The real estate jargon I didn't understand. The constant worry that I was making a massive mistake. The agents who seemed more interested in closing the deal than answering my questions.


That experience changed everything for me.


When I became a real estate agent and mortgage professional, I made a promise to myself: No one I work with will ever feel rushed, pressured, or alone in this process.


A Different Kind of Real Estate Experience

I'm not the agent who will pressure you into an offer. I won't disappear after the showing. And I'll never make you feel like your questions are too basic or that you're taking too much of my time.

Because here's what I've learned after helping dozens of families: Buying a home or refinancing your mortgage is one of the biggest financial decisions you'll ever make. You deserve someone who treats it that way.


What Working With Me Actually Looks Like

I take my time to listen. Not just to what house you want, but to your worries, your budget concerns, your timeline, your life situation. Every client is different, and cookie-cutter advice

doesn't work.


I explain everything in plain language. No jargon. No assuming you already know. If you don't understand something, that's on me to explain it better, not on you to figure it out.


I'm actually available. Yes, even at 10pm when you're lying awake wondering about that clause in the offer. I remember that anxiety. I answer because I genuinely care.


I'm patient with your process. House hunting takes as long as it takes. I'd rather you feel 100% confident than rush you into something that doesn't feel right. Your gut feeling matters.


Who I Help

First-Time Homebuyers

You're excited but overwhelmed. You have questions (lots of them), and you're worried about making mistakes. I walk you through every single step, from pre-approval to getting your keys, and I'm still here after you move in.

My goal for you: That moment when you realize, "We did it. We're home." And you feel confident, not stressed, about how you got there.


Homeowners Looking to Refinance

You're juggling multiple high-interest debts—credit cards, car loans, lines of credit—and it's exhausting. Refinancing can consolidate everything into one affordable monthly mortgage payment, but you need someone to run the numbers WITH you and make sure it actually makes sense.

My goal for you: Less stress, more breathing room in your budget, and clarity about your financial future.


Why People Trust Me

I could tell you I'm hardworking, dedicated, and client-focused. But honestly, my clients say it better than I ever could:

"Fred was very patient and hardworking throughout the whole process with me and my wife. Because of him, we were able to get our dream home."
"He takes a strategic approach, is patient, and always attentive to his clients' needs and requirements... making the entire process smooth and stress-free."
"He is very calm and easy to talk to! Never missed covering all the questions we can think of and he provides information with deep understanding."
"I felt defeated at some points due to the market and our budget, but Frederick helped keep my head up high and optimistic."
"I love how he isn't pushy at all. He really does look out for his client's best interest and most importantly listens to them."

The common thread in every review? Patience. Clarity. Genuine care. That's not marketing speak. That's just how I work.


My Approach: The Three Pillars of Confidence

1. Education First

Knowledge is power, but only if it's explained clearly. I break down complex real estate and mortgage concepts into language that actually makes sense. No gatekeeping. No making you feel like you should already know this stuff.

2. Strategic Guidance

I've seen hundreds of transactions. I know what works, what to watch for, and how to navigate tricky situations. But strategy without pressure—I give you my honest advice, and you make the final call. Always.

3. Full-Journey Support

From your first question to moving day (and beyond), I'm here. I connect you with trusted lawyers, mortgage brokers, home inspectors—people I'd refer my own family to. And when something comes up six months after closing? You can still call me.


Serving the GTA and Durham Region

I specialize in helping clients throughout the Greater Toronto Area and Durham Region. I know these neighborhoods inside and out—not just the market trends, but the communities, the schools, the hidden gems.

Whether you're looking in Toronto, Scarborough, Oshawa, Whitby, Ajax, and Pickering, or anywhere in between, I can help you find the right fit.


Let's Start a Conversation

I know that reaching out to a real estate agent can feel like opening the floodgates to sales pitches and pressure. That's not how I work.

When you contact me, here's what happens:

  • We have an honest conversation about your situation
  • I answer your questions (all of them)
  • I explain what's possible and what makes sense for YOU
  • You decide if you want to move forward
  • There's zero pressure, zero judgment

That's it. Simple.

Because buying a home or refinancing your mortgage should be one of the most exciting decisions of your life. My job is to make sure it feels that way.


Ready to Take the First Step?

The hardest part is always the beginning. But it starts with just one message, one call, one conversation.

Email: info@fredcamingal.com

Phone: 416-670-8598

Social: @torontopinoyrealtor

Or simply fill out the contact form below, and I'll get back to you within 24 hours (usually much sooner).

Let's find your way home—with confidence, not confusion.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.