Fred Camingal - Toronto Pinoy Realtor by Frederick Camingal

#72 May 9, 2026

The Renewal Crisis Nobody Is Counting

The headlines were saying the mortgage renewal wave of 2025–2026 was a "non-event."

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#71 Apr 25, 2026

You co-own 1% of your parents' house.

That tiny slice might be costing you thousands.

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#70 Apr 18, 2026

Sell As-Is or Fix Up Before Listing?

Your wife says list as-is. Your realtor says spend $15–20K first.

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#69 Apr 11, 2026

Buy Now, Be "Hated" in 25 Years

The boomers didn't time the market. They just didn't wait.

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#68 Apr 5, 2026

The buyer changed the locks 30 days BEFORE closing—what do I do?

When possession goes wrong: the legal nightmare every seller (and buyer) needs to avoid

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#67 Mar 29, 2026

"My parents co-signed—now we're losing our first-time buyer rebate?"

The $4,000+ mistake that happens at conditional approval (and how to structure co-signers the right way)

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#66 Mar 22, 2026

The hidden closing costs that blow first-time buyer budgets

You budgeted for the down payment—but did you budget for the other $15K-$25K that hits at closing?

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#65 Mar 8, 2026

"I offered 8.5% under asking. They said no. Now I want to offer MORE. Is it too late?"

When buyer's remorse disguises itself as renewed interest (and how to know if you're chasing for the wrong reasons)

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