Fred Camingal - Toronto Pinoy Realtor

Fred Camingal - Toronto Pinoy Realtor

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Calgary home sales fall in November as inventory boost pushes prices down: board
Calgary home sales fall in November as inventory boost pushes prices down: board

Home sales in the City of Calgary were 13.4% lower in November compared with the same month last year as prices also decreased again.

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Dec 02, 2025
Scotiabank tops estimates on capital markets, takes charge
Scotiabank tops estimates on capital markets, takes charge

Bank of Nova Scotia topped estimates on better-than-expected results at its capital-markets unit while forecasting faster growth next year in its core Canadian banking division. 

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Dec 02, 2025
Mortgage terms and closing costs leave many homebuyers confused, survey shows
Mortgage terms and closing costs leave many homebuyers confused, survey shows

An Ownright survey of recent Ontario buyers shows that early financial confidence fades at closing, where unclear terms and unexpected costs are still tripping up many purchasers.

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Dec 01, 2025
Housing starts in much of southern Ontario down in first nine months of 2025: report
Housing starts in much of southern Ontario down in first nine months of 2025: report

The Residential Construction Council of Ontario says housing starts in the Greater Toronto Area and broader Greater Golden Horseshoe region declined significantly in the first nine months of 2025 relative to recent years.

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Dec 01, 2025
Calgary renews programs, awareness as homeless face dire challenges of winter
Calgary renews programs, awareness as homeless face dire challenges of winter

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Dec 01, 2025
BoC expected to hold in December as GDP improves—but underlying weakness lingers
BoC expected to hold in December as GDP improves—but underlying weakness lingers

Stronger-than-expected GDP data supports a December rate hold from the Bank of Canada, but economists warn underlying weakness remains.

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Nov 28, 2025
Ontario takes control of real estate council after audit identifies issues
Ontario takes control of real estate council after audit identifies issues

The Ontario government is taking control of the province's real estate regulator after an audit found issues with its practices and organizational culture.

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Nov 28, 2025
Key living-standard stat in Canada on better path after revisions
Key living-standard stat in Canada on better path after revisions

A key measure of Canadian living standards has improved after the country’s statistical agency revised up the size of the economy.

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Nov 28, 2025
Canada’s rental market is shifting from crisis to cooldown
Canada’s rental market is shifting from crisis to cooldown

Desjardins says rent growth is finally cooling after years of pressure, driven by a surge in new rental supply and fewer newcomers but warns high construction costs and policy shifts could quickly undo the gains.

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Nov 14, 2025
Most Canadians say U.S. trade deal unlikely in next six months
Most Canadians say U.S. trade deal unlikely in next six months

Canadians have little faith a trade deal with the U.S. will be reached in the next six months, after U.S. President Donald Trump blew up talks over an anti-tariff ad campaign launched by the province of Ontario.

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Nov 14, 2025
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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.

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