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Negative amortization occurs when mortgage payments don’t cover the interest owed, causing the loan balance to increase. It can happen with certain variable-rate or interest-only mortgage structures, depending on the terms. In general, it may be addressed by adjusting payment amounts, changing the loan’s rate structure, refinancing, modifying loan terms, or speaking with a qualified housing or financial professional. Timing can matter, since negative amortization can create financial strain over time and may affect overall loan costs.

Home sales in Metro Vancouver fell 9.8% in February from last year, with 1,648 properties sold, 28.7% below the 10-year average. New listings dropped 6.4%, mainly in apartments, but total active listings rose 6.3%, 37% above the 10-year average. Benchmark prices declined moderately: overall by 6.8%, detached homes by 8.8%, apartments by 6.8%, and townhouses by 5.6%. The sales-to-active listings ratio was 12.6%, indicating a balanced market. The spring market will test demand and price stability.

First-time homebuyers often start by learning what pre-approval is and how it can help clarify a price range and show readiness when making an offer. Interest rates can impact mortgage costs; fixed rates may offer stability, while variable rates can change over time. It can help to review overall financial health, map out a budget that includes common homeownership costs, and learn about first-time buyer programs that may be available. Many people use checklists, communicate with real estate professionals, anticipate challenges, and think through long-term needs. Protect your investment with maintenance and insurance, engage with your community, and stay informed about how refinancing works and when it may or may not make sense.

Metro Vancouver home sales in February 2026 declined 9.8% from the previous year, totaling 1,648 sales, 28.7% below the 10-year average. New listings dropped 6.4%, mainly in apartments, while active listings rose 6.3%, 37% above the 10-year average. The sales-to-active listings ratio was 12.6%, indicating potential price stability. The benchmark home price fell 6.8% to $1,100,300. Detached and apartment sales decreased, while attached home sales rose slightly.

Choosing the right real estate brokerage is crucial for new agents' success. Consider your financial readiness, research market presence, office size, culture, and productivity. Evaluate broker support, training programs, commission structures, marketing, technology, and policies. Prioritize a brokerage offering strong training, lead generation, and a supportive environment aligned with your goals to maximize growth and profitability.