Fred Camingal - Toronto Pinoy Realtor

Fred Camingal - Toronto Pinoy Realtor

  • Home
  • Newsletters
  • Videos
  • Articles
Seven months after wildfire, temporary housing arrives in Jasper
Seven months after wildfire, temporary housing arrives in Jasper

The first trailers to house displaced locals rolled into Jasper, Alta., this week, about seven months after a third of the town was ravaged by a runaway wildfire.

Read More
Feb 13, 2025
Bank of Canada warns of permanent GDP hit if trade war with U.S. drags on
Bank of Canada warns of permanent GDP hit if trade war with U.S. drags on

Members of the Bank of Canada's Governing Council expressed concerned that prolonged trade tensions with the U.S. could permanently reduce Canada's GDP, according to the minutes from its January 29 policy meeting.

Read More
Feb 12, 2025
U.S. inflation hits 3%, Fed rate cut likely delayed until December
U.S. inflation hits 3%, Fed rate cut likely delayed until December

U.S. headline inflation rose for the third straight month, raising the likelihood that the next Fed rate cut won't happen until later this year.

Read More
Feb 12, 2025
Fixed vs. variable: Why variable-rate mortgages are making a comeback
Fixed vs. variable: Why variable-rate mortgages are making a comeback

After the Bank of Canada’s latest rate reduction 5-year variable mortgage rates are now on par with their fixed-rate counterparts, raising the question: Is now the time to go variable?

Read More
Feb 11, 2025
Home builders warn of ‘brutal blow’ to housing sector from steel, aluminum tariffs
Home builders warn of ‘brutal blow’ to housing sector from steel, aluminum tariffs

Some developers say looming U.S. tariffs on Canadian steel and aluminum could be detrimental to the housing sector due to higher costs of key construction materials.

Read More
Feb 11, 2025
Building permits hit highest level since 2017
Building permits hit highest level since 2017

Canada's construction sector ended 2024 on a high note, with the total value of building permits surging 11% in December to $13.1 billion, according to the latest data from Statistics Canada.

Read More
Feb 11, 2025
Market experts forecast two more quarter-point rate cuts from the Bank of Canada
Market experts forecast two more quarter-point rate cuts from the Bank of Canada

A majority of influential economists and analysts predict the Bank of Canada will lower its policy rate to 2.50% before pausing.

Read More
Feb 10, 2025
Canada’s January job surge beats expectations, but trade war uncertainty casts a shadow
Canada’s January job surge beats expectations, but trade war uncertainty casts a shadow

Despite stronger-than-expected job growth in Canada for January, economists remain cautious as the looming threat of a trade war with the U.S. casts uncertainty over key sectors like manufacturing.

Read More
Feb 07, 2025
Montreal home sales surge 36% in January as market activity rebounds
Montreal home sales surge 36% in January as market activity rebounds

Montreal's housing market had a robust start to 2025, with home sales jumping 36% in January compared to the same month last year.

Read More
Feb 07, 2025
Farm Lending Canada partners with BMO to tap into agricultural financing boom
Farm Lending Canada partners with BMO to tap into agricultural financing boom

Five years ago, Farm Lending Canada identified an opportunity in the agriculture alternative lending space. Now the country’s major banks see it too.

Read More
Feb 06, 2025
  • «
  • 1
  • 2
  • ...
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 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.