Fred Camingal - Toronto Pinoy Realtor

Fred Camingal - Toronto Pinoy Realtor

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Rent prices across Canada fall to 18-month low
Rent prices across Canada fall to 18-month low

Average rents across Canada continued to drop in January, reaching an 18-month low, according to the latest data from Rentals.ca and Urbanation.

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Feb 06, 2025
Former BoC governor Poloz warns Canada’s economy is ill-prepared for potential U.S. tariffs
Former BoC governor Poloz warns Canada’s economy is ill-prepared for potential U.S. tariffs

Canada’s economy is in a fragile state and ill-equipped to handle the potential economic shock of new U.S. import tariffs, warns former Bank of Canada governor Stephen Poloz.

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Feb 05, 2025
CMHC predicts home sales, prices to rebound in 2025, but tariff threat clouds outlook
CMHC predicts home sales, prices to rebound in 2025, but tariff threat clouds outlook

Canada Mortgage and Housing Corp. is forecasting a rebound in home sales and prices this year as homebuyers take advantage of improved borrowing conditions, but says its outlook is clouded by the threat of widespread tariffs from the U.S.

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Feb 05, 2025
Dominion Lending Centres joins Pinch Financial’s AI platform on Realtor.ca
Dominion Lending Centres joins Pinch Financial’s AI platform on Realtor.ca

Broker network Dominion Lending Centres (DLC) has announced a partnership with Pinch Financial in a deal that would add the network—one of Canada’s largest—to the fintech’s technology platform, which is used on listing sites such as Realtor.ca.

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Feb 05, 2025
Toronto home sales expected to rise 12% this year, but board says January saw drop
Toronto home sales expected to rise 12% this year, but board says January saw drop

The Toronto Regional Real Estate Board says it is forecasting a 12.4% increase in home sales for 2025, with 76,000 properties changing hands throughout the region as lower borrowing costs lead to improved affordability.

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Feb 05, 2025
BMO forecasts 1.50% BoC rate by year-end if U.S. imposes tariffs on Canada
BMO forecasts 1.50% BoC rate by year-end if U.S. imposes tariffs on Canada

Canada received a temporary reprieve from U.S. tariffs for at least 30 days, but if enacted, BMO warns the Bank of Canada may be forced to cut its policy rate to 1.50% by year-end.

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Feb 04, 2025
Vancouver real estate market shifting as more sellers enter market, January sales up
Vancouver real estate market shifting as more sellers enter market, January sales up

The number of homes that changed hands in the Vancouver area rose again last month, but the city's real estate board says new listings outpaced demand as sellers showed they're eager to enter the market.

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Feb 04, 2025
Calgary home sales down 12% in January but still above seasonal average: board
Calgary home sales down 12% in January but still above seasonal average: board

The Calgary Real Estate Board says January home sales dropped 12 per cent from last year but remained nearly 30 per cent higher than levels typically recorded for the month.

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Feb 04, 2025
Canadian fixed mortgage rates are dropping as U.S. tariffs shake markets
Canadian fixed mortgage rates are dropping as U.S. tariffs shake markets

Canada’s 5-year bond yield has fallen to its lowest level since June 2022, following fresh concerns over economic uncertainty and global trade tensions.

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Feb 03, 2025
Opinion: Mortgage loyalty isn’t given, it’s earned
Opinion: Mortgage loyalty isn’t given, it’s earned

Jill Moellering shares why clients aren’t just chasing the lowest rate—they’re looking for trust, service, and the right mortgage for their needs.

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Feb 03, 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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