{"id":344,"date":"2026-04-04T15:00:00","date_gmt":"2026-04-04T15:00:00","guid":{"rendered":"https:\/\/www.shahins.ca\/blog\/?p=344"},"modified":"2026-04-04T15:00:00","modified_gmt":"2026-04-04T15:00:00","slug":"understanding-negative-amortization-on-a-mortgage-common-ways-its-addressed","status":"publish","type":"post","link":"https:\/\/www.shahins.ca\/blog\/?p=344","title":{"rendered":"Understanding Negative Amortization on a Mortgage: Common Ways It\u2019s Addressed"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Negative amortization occurs when mortgage payments don\u2019t 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\u2019s 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.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.nesto.ca\/renewal-refinancing\/5-ways-to-get-out-of-negative-amortization-on-your-mortgage\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Negative amortization occurs when mortgage payments don\u2019t 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\u2019s rate structure, refinancing, modifying loan terms, or speaking with a qualified [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-344","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts\/344","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=344"}],"version-history":[{"count":1,"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts\/344\/revisions"}],"predecessor-version":[{"id":347,"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts\/344\/revisions\/347"}],"wp:attachment":[{"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shahins.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}