Fred Camingal - Toronto Pinoy Realtor

Fred Camingal - Toronto Pinoy Realtor

  • Home
  • Newsletters
  • Videos
  • Articles
Average asking rents down annually for seventh straight month at $2,127: report
Average asking rents down annually for seventh straight month at $2,127: report

The national average asking rent in April was down year-over-year for the seventh straight month at $2,127, marking a decrease of 2.8%.

Read More
May 08, 2025
FSRA clarifies CE requirements for Ontario mortgage agents and brokers
FSRA clarifies CE requirements for Ontario mortgage agents and brokers

Ontario mortgage agents and brokers have until March 31, 2026, to complete their current Continuing Education (CE) requirements. The Financial Services Regulatory Authority of Ontario (FSRA) recently clarified what counts toward the required hours—an...

Read More
May 08, 2025
Montreal home prices surge as suburban markets outshine the island
Montreal home prices surge as suburban markets outshine the island

Montreal’s real estate market saw a strong start to the spring season, with residential sales rising 10% year-over-year in April to 5,126 transactions, according to the Quebec Professional Association of Real Estate Brokers (QPAREB).

Read More
May 07, 2025
Nova Scotia fixed-term lease loophole to remain in place despite some abuse: official
Nova Scotia fixed-term lease loophole to remain in place despite some abuse: official

A provincial official acknowledged Tuesday that some Nova Scotia landlords are abusing fixed-term leases, but the government is not looking to change tenancy law because there could be "unintended consequences."

Read More
May 07, 2025
Thinking of a private mortgage? Here’s what lenders want to see
Thinking of a private mortgage? Here’s what lenders want to see

Private mortgages continue to play an important role in today’s Canadian housing market, especially as traditional lending guidelines tighten. Yet many borrowers are surprised to learn that private lenders don’t simply look at one or two factors — th...

Read More
May 06, 2025
Toronto-area home sales fall in April as buyers wait out trade uncertainty: board
Toronto-area home sales fall in April as buyers wait out trade uncertainty: board

Home sales in the Greater Toronto Area were down 23.3% in April amid continued uncertainty over the economy.

Read More
May 06, 2025
Mark Carney says he has priorities for his new government — here are 5 of them
Mark Carney says he has priorities for his new government — here are 5 of them

Prime Minister Mark Carney laid out his priorities at his first post-election press conference on Friday, four days after his party won a minority mandate in the April 28 election.

Read More
May 05, 2025
Fixed rates are creeping up—and variable-rate discounts are shrinking too
Fixed rates are creeping up—and variable-rate discounts are shrinking too

Some of the lowest fixed mortgage rates have vanished in recent weeks—and lenders are quietly tightening up their variable-rate discounts too.

Read More
May 02, 2025
Vancouver home sales continue to slide as trade war concerns weigh on buyers
Vancouver home sales continue to slide as trade war concerns weigh on buyers

Home sales in Metro Vancouver continued to decline in April as economic uncertainty and trade tensions kept many buyers on the sidelines.

Read More
May 02, 2025
Liberal election win: What it means for Canada’s policies and economy
Liberal election win: What it means for Canada’s policies and economy

The Liberals, under the new leadership of Mark Carney, have secured a fourth consecutive term in office following Monday’s federal election, forming another minority government.

Read More
Apr 30, 2025
  • «
  • 1
  • 2
  • ...
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • ...
  • 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.