BUY YOUR FIRST HOME WITH CONFIDENCE — NO GUESSWORK, JUST GUIDANCE

Get step-by-step support from a trusted agent who helps busy families find affordable homes in Toronto.

MEET your realtor

Hey, I'm Fred!

I immigrated to Canada and experienced firsthand how overwhelming it feels to navigate an unfamiliar system—the paperwork, the uncertainty, the fear of making expensive mistakes. That's why I became both a Real Estate Agent and Mortgage Broker: to be the guide I wished I had. I handle your mortgage pre-approval AND your home search, so there's no juggling multiple agents or miscommunication. I speak English and Tagalog fluently, and my clients consistently tell me I made the process stress-free and simple—I answer calls and texts immediately, stay patient, and explain everything in a way that actually makes sense. From overwhelmed to home, that's the journey we take together. Serving first-time buyers and newcomers across Scarborough, Durham, and the Greater Toronto Area.

Personalized Service

Expert Guidance

End-to-End Support

Frequently Asked Questions

Find answers to our most frequently asked questions here.

1. How much do we really need for a down payment in Toronto?

Most first‑time buyers in Toronto start with 5% for homes under $500,000, or a mix of 5% and 10% for higher values. You can also use your RRSP under the Home Buyers’ Plan to boost your funds. The real key is knowing what’s realistic for your price range before you fall in love with a listing.

2. Can we afford a home with our current income and debts?

Yes — but it depends on your mortgage pre‑approval amount, which considers your income, debt, and expenses. Getting pre‑approved gives you a clear budget and prevents you from chasing homes above your comfort zone. It’s the first step I walk clients through before any showings.

3. How competitive is the Toronto market right now?

It’s competitive, but manageable with the right strategy. Many homes still receive multiple offers, yet well‑prepared buyers with guidance and pre‑approval can confidently compete. I help clients spot undervalued listings and time offers strategically to increase success without overpaying.

4. What extra costs should we plan for beyond the purchase price?

Expect closing costs of 3–5% of the home’s price — covering land transfer tax (city + provincial), lawyer fees, home inspection, and moving expenses. First‑time buyers may qualify for rebates that can offset some of those charges, and I help outline those savings before you buy.

TESTIMONIALS

What others are saying

- JONATHAN DUMRIQUE

For all your real estate needs, I highly recommend Fred Camingal. Selling and purchasing a house is a very stressful experience. But 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. Thanks Bro Fred!

— LEO BAUTISTA

Thank you so much for your help with buying our home. Your knowledge and expertise made the process smooth and easy. Thank you again brother for making us confident in buying decisions. We could not done this without you.

Lafamilya Bautista is happy 👍👌🏻