Selling Your Home

The Bank of Canada has held the overnight rate steady. For homeowners with fixed or variable mortgages, this means there is no immediate change to monthly payments. However, the decision itself offers important insight into where interest rates may be headed in 2026. In a balanced market like Greater Victoria, understanding the signal behind the pause matters just as much as the rate itself. What This Announcement Really Signals Holding rates suggests the Bank believes current policy is restrictive enough to cool inflation without further tightening. Instead of reacting aggressively, the Bank is choosing to wait and assess how past rate hikes continue to work through the economy. For buyers and homeowners, this points to a shift from rate shock to rate stability. Why Inflation Is No Longer Forcing the Bank’s Hand Inflation has eased from its peak and is moving closer to the Bank’s target range. While prices are still elevated in some areas, broad inflation pressures are no longer accelerating. Because of this, the Bank does not need to raise rates further to regain control. That does not guarantee cuts are imminent, but it reduces the risk of sudden increases. What Could Actually Move Rates This Year Future rate changes will likely depend on a few key factors: Sustained declines in inflation Slower economic growth or rising unemployment Weak consumer spending and housing activity If inflation continues to cool without a rebound in demand, gradual rate cuts later in 2026 become more likely. On the other hand, renewed inflation pressure or economic surprises could delay that timeline. How Buyers and Homeowners Should Think About Risk For current homeowners, stability offers a chance to review renewal timelines, stress test household budgets, and avoid overextending in anticipation of rapid rate cuts. For buyers, this environment supports careful planning. Rate holds reduce urgency, but affordability still matters. Buyers should focus on long-term payment comfort rather than timing short-term rate moves. In markets like Victoria, where inventory remains higher and prices are stable, patience and flexibility continue to be advantages. Bottom Line The Bank of Canada holding rates steady does not change payments today, but it signals a more measured phase of monetary policy. Inflation is no longer driving aggressive action, and future moves will depend on how the economy evolves through 2026. If you are weighing your options as a buyer or homeowner, now is a good time to review your strategy and understand how interest rate risk fits into your plans. Ready to talk through your next move? Contact us to discuss how today’s rate environment impacts your home search or long-term goals. Dione S., 5-Star Review, via Google “We made a MAJOR purchase and his expertise gave us the confidence to make OUR own decision in this crazy market! We are HAPPY ! Would not change a thing! Thank you Faber team!!” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Home equity is the difference between your home’s market value and what you still owe on your mortgage. Understanding home equity is essential for buyers and homeowners because it plays a major role in long-term financial planning and wealth building. Simply put, the more of your home you own outright, the more equity you have. How Home Equity Builds Over Time Home equity typically grows in two ways: Paying down your mortgage with each monthly payment Property value increases over time due to market conditions or improvements For example, if your home is worth $800,000 and your mortgage balance is $500,000, you have $300,000 in home equity. Why Home Equity Matters Home equity provides flexibility and financial leverage. It can be used to: Help fund renovations or upgrades Support future home purchases Assist with major life expenses Increase long-term net worth In markets like Greater Victoria, where home prices have historically trended upward over the long term, equity can become a significant asset. Equity vs. Renting Rent payments build no equity. Once the payment is made, the money is gone. With homeownership, a portion of each mortgage payment contributes to building equity, even during stable or slower markets. This difference is one of the key reasons many buyers choose to purchase when they plan to stay put for several years. How Much Equity Do You Need? There is no universal benchmark, but more equity generally means: Better refinancing options Lower borrowing risk Greater financial security That said, equity takes time to build. It works best as a long-term strategy rather than a short-term gain. Final Thoughts Home equity is not just a number on paper. It represents ownership, stability, and long-term value. Whether you are a first-time buyer or a long-time homeowner, understanding how equity works can help you make more informed real estate decisions in Victoria’s market. If you are curious how much equity you may be able to build, reviewing your options early can make a meaningful difference.   Dom L., 5-Star Review, via Google “After months of searching and giving us their honest advice, we finally bought a place while out of town. We only had a virtual tour of the site, but we felt very comfortable making an offer because they understood what we were looking for. I would recommend going to Faber group as they are knowledgeable, professional and resourceful.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Downsizing is not just about moving into a smaller home. For many homeowners, it represents a shift toward simplicity, flexibility, and a lifestyle that better matches current needs. Knowing when the timing is right can make the transition smoother and more rewarding. Here are some clear cues that it may be time to consider downsizing. Your Home No Longer Fits Your Lifestyle If certain rooms go unused or stairs and maintenance feel more burdensome than beneficial, your home may no longer align with how you live day to day. A space that once felt perfect can start to feel inefficient as needs change. Maintenance and Upkeep Feel Overwhelming Larger homes often come with higher maintenance demands, from yard work to repairs and ongoing upkeep. If managing the home takes more time, energy, or money than you would like, downsizing can reduce stress and free up resources. You Want to Free Up Equity Downsizing can unlock home equity that can be redirected toward travel, retirement planning, investments, or helping family. In many cases, a smaller home or condo allows homeowners to maintain comfort while improving financial flexibility. Your Priorities Have Shifted As lifestyles evolve, priorities often change. Proximity to amenities, healthcare, social activities, or walkable neighbourhoods may become more important than square footage. Downsizing can allow you to move closer to what matters most. You Are Thinking Ahead Planning ahead is one of the strongest reasons to downsize. Moving while you have the time and flexibility to choose the right home and location can prevent rushed decisions later. Many homeowners prefer to downsize on their own terms rather than out of necessity. Market Conditions Support a Move Favourable market conditions, strong demand for your current home, or increased options in smaller properties can make downsizing more appealing. Understanding how current trends affect both selling and buying is essential when evaluating timing. You Want a Simpler Day-to-Day Routine Downsizing often leads to a more manageable lifestyle, with less cleaning, lower utility costs, and fewer responsibilities. For many, this simplicity translates into more time for hobbies, travel, and personal interests. Is Now the Right Time to Downsize The right time to downsize depends on your personal goals, financial situation, and lifestyle preferences. There is no one-size-fits-all answer. A thoughtful approach, supported by local market knowledge, can help ensure the move aligns with both short-term and long-term plans. If you are considering downsizing, understanding your options and timing can make all the difference in creating a smooth and confident transition.   James C., 5-Star Review, via Google “Scott made the process of finding a good condo in Victoria as simple and straightforward as it can be. He was always very helpful, and quick to respond throughout the process from start to finish. Being new to BC I think the ordeal would have been pretty overwhelming otherwise. I'd definitely recommend Scott and his team to others in the future.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Selling a home in Victoria is about more than just listing it online. Buyers often decide within seconds whether a property feels right, and strong presentation plays a major role in that decision. Virtual staging has become an effective tool for showcasing a home’s potential, helping buyers visualize the space and move forward with confidence. What Is Virtual Staging Virtual staging uses digital design to add furniture, decor, and finishes to listing photos of empty or minimally furnished homes. The goal is to highlight scale, layout, and functionality without physically staging the property. When done well, it helps buyers imagine how they could live in the space. Why Virtual Staging Works for Victoria Homes Many Victoria homes, especially condos, townhomes, and new builds, are listed vacant or partially furnished. Empty rooms can feel cold or smaller than they are. Virtual staging helps define each space, making it easier for buyers to understand room purpose and flow, which is especially important in compact or unique layouts common throughout the region. First Impressions Matter Online Most buyers first encounter a property online. Visually appealing photos stand out, attract more clicks, and encourage buyers to book showings. Virtual staging can dramatically improve listing photos, helping a home compete more effectively in Victoria’s market where presentation influences buyer behaviour. Cost-Effective Compared to Traditional Staging Traditional staging can be costly and logistically challenging. Virtual staging offers a more affordable alternative while still delivering strong visual impact. It allows sellers to highlight a home’s strengths without moving furniture or coordinating staging timelines. Helps Buyers Visualize Lifestyle and Scale Virtual staging helps buyers see how furniture fits within a space and how rooms can be used. This is especially helpful for open-concept layouts, smaller bedrooms, or awkward spaces that may be difficult to visualize when empty. Supports Faster, More Confident Decisions When buyers can easily picture themselves living in a home, hesitation is reduced. Virtual staging removes uncertainty, helping buyers focus on the potential rather than the lack of furnishings. This can lead to quicker showings, stronger interest, and a faster sale. Transparency Is Key It is important that virtual staging is clearly disclosed and used responsibly. Accurate representations help maintain buyer trust and avoid disappointment during in-person showings. When used correctly, virtual staging enhances marketing without misleading buyers. Is Virtual Staging Right for Your Home Virtual staging is particularly effective for vacant homes, new construction, and properties where furniture does not reflect the target buyer. Every listing is different, and the right marketing approach depends on the property and current market conditions. If you are considering selling your Victoria home, understanding how tools like virtual staging can improve presentation may help you achieve better results in less time.   Lisa Shortt, 5-Star Review, via Google “Scott went above and beyond for us in both finding our dream home and selling our condo. He listened to us and provided professional advice for each circumstance. Would highly recommend!” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Spring is one of the busiest and most competitive times of year in the real estate market. Buyers are active, inventory increases, and well-prepared homes tend to stand out. If you are thinking about selling this spring, taking the right steps early can make a meaningful difference in both timing and final sale results. Here are the key steps to take if you want to sell your home this spring. Start Planning Early Preparation is critical for a successful spring sale. Begin planning several months in advance to allow time for repairs, cleaning, and professional guidance. Early planning helps avoid rushed decisions and ensures your home is ready when buyer activity peaks. Get a Professional Market Evaluation Understanding your home’s current market value is essential. A professional evaluation provides insight into pricing, recent comparable sales, and local demand. Pricing accurately from the start can attract more interest and reduce the risk of extended time on market. Declutter and Depersonalize Buyers want to envision themselves living in the space. Decluttering creates a sense of openness, while depersonalizing helps buyers focus on the home rather than the current owner. This includes clearing countertops, reducing furniture, and organizing storage areas. Complete Minor Repairs and Updates Small issues can leave a lasting impression on buyers. Addressing minor repairs such as leaky faucets, chipped paint, loose fixtures, and worn caulking can improve overall presentation. Simple updates often deliver a strong return by making the home feel well cared for. Focus on Curb Appeal First impressions start before buyers walk through the door. Refresh landscaping, clean walkways, and ensure the exterior looks tidy and inviting. Spring buyers are especially attentive to outdoor spaces, so highlighting these areas is important. Prepare for Professional Photography and Marketing High-quality photography and marketing are essential in today’s market. A clean, well-lit, and staged home photographs better and attracts more online interest. Strategic marketing ensures your home reaches the right buyers at the right time. Plan Your Timing Strategically The timing of your listing can impact exposure and competition. Understanding local market trends and seasonal patterns can help determine the best moment to list. Strategic timing can lead to stronger interest and smoother negotiations. Be Ready for Showings Once your home is listed, flexibility is key. Keeping the home show-ready and accommodating viewing requests increases the chances of attracting serious buyers. A well-prepared home that is easy to show often sells more efficiently. Work With a Trusted Real Estate Professional Navigating a spring sale requires local market knowledge, strong negotiation skills, and effective marketing. Working with an experienced real estate professional helps ensure every step is handled strategically, from preparation to closing. Selling your home in the spring can be a rewarding experience when approached with the right plan. Preparation, presentation, and professional guidance all play a role in achieving the best possible outcome.   Don Wong. 5-Star Review, via Google “I would recommend them to anyone buying real estate on the Vancouver Island. The team is very knowledgeable, courteous and professional, adding a personal touch to building a strong relationship. ” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

January can be an advantageous time for buyers in Victoria. The market often slows slightly after the holiday season, meaning there may be fewer competing offers. This can give buyers more negotiating power, especially on homes that have been on the market for several months. Inventory can be limited in some segments, but serious sellers who list in January are often motivated to move quickly, which can create opportunities for savvy buyers. Selling in January can also work, but it has pros and cons. On the positive side, homes listed early in the year can capture buyers who are ready to move quickly and want to start the year settled. There is less competition from other sellers compared to spring and summer, which can help your home stand out. On the downside, buyer traffic can be slower due to winter weather and holiday recovery, so timing and pricing strategy are important. Seasonal Considerations in Victoria Victoria’s coastal climate is milder than much of Canada, so winter weather is generally less of a barrier for showings and open houses. That said, shorter daylight hours and rainy days can impact curb appeal, so ensuring your home is well-lit and presentable is crucial. Key Takeaway January can be a strategic month for both buyers and sellers in Victoria, especially when working with a knowledgeable real estate professional who understands local market trends. Buyers may find less competition and motivated sellers, while sellers who price correctly can attract serious buyers even in the slower winter season. Debbie N., 5-Star Review, via Google “From start to finish, Scott and Cal were amazing to work with. I hadn't moved in nearly 22 years and going from a house to a condo was a very difficult decision, but they were amazingly patient and responsive to my needs. This team doesn't just say that they care, they actually do. I couldn't have done this without them. I would recommend them to anyone. You will be in the best hands. Thank you Faber Group!!!. ” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

When buyers step into a home for the first time, impressions are formed within seconds. Long before they review floor plans or ask about upgrades, buyers are subconsciously evaluating how the home feels. Understanding what stands out immediately can help sellers prepare more effectively, and buyers recognize what influences their own decision-making. Curb Appeal Sets the Tone The first impression begins before buyers even reach the front door. Exterior appearance, landscaping, driveway condition, and overall upkeep send an immediate signal about how well the home has been maintained. A tidy entry, clean walkways, and a welcoming front door create a positive starting point. Natural Light and Overall Brightness Buyers quickly notice how light a home feels. Open curtains, clean windows, and well-placed lighting can dramatically change perception. Dark or dim spaces may feel smaller and less inviting, while bright rooms often feel more open and functional. Cleanliness and Smell Cleanliness is one of the most immediate and powerful signals buyers pick up on. Floors, kitchens, bathrooms, and baseboards are scrutinized quickly. Smell matters just as much. Lingering pet, smoke, or cooking odours can overshadow even well-designed spaces and become a lasting negative impression. Layout and Flow Within minutes, buyers begin assessing how the home functions. They look at room connections, hallway widths, and whether the layout suits their lifestyle. Awkward transitions, tight spaces, or unclear room purposes can create hesitation early in the tour. Kitchen and Bathroom Condition These spaces carry significant weight in buyer perception. Buyers immediately notice cabinet condition, countertops, fixtures, and overall upkeep. While full renovations are not always necessary, dated or poorly maintained kitchens and bathrooms can impact perceived value. Signs of Maintenance or Deferred Care Buyers are quick to spot small details that suggest neglect, such as chipped paint, worn flooring, cracked caulking, or loose fixtures. Even minor issues can raise concerns about larger, unseen problems and future maintenance costs. Noise Levels and Surroundings Buyers are often paying attention to outside noise, nearby traffic, and neighbourhood activity. Open windows or doors can either highlight a peaceful setting or expose distractions that affect the overall experience. Storage and Closet Space Storage is noticed quickly, especially in entryways, kitchens, and primary bedrooms. Overstuffed closets and cluttered storage areas can make spaces feel smaller and less practical. How the Home Feels Overall Beyond individual features, buyers assess whether the home feels comfortable, welcoming, and livable. Temperature, air quality, and overall atmosphere all play a role in this emotional response. Why First Impressions Matter Most buying decisions are emotional first and logical second. Homes that make a strong initial impression tend to stay top of mind and generate stronger interest, often leading to better offers and smoother negotiations. Preparing your home with these buyer perceptions in mind can significantly influence how it is received from the moment someone walks through the door.   Bentley G., 5-Star Review, via Google “Seamless. That’s how we would describe our recent real estate dealings with the Faber Group. From beginning to end, the process of selling our family home, downsizing and purchasing a condominium has been seamless with this team.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood & Zachary Parsons “Building Lasting Relationships, One Home at a Time.”

As the year comes to a close, real estate planning often takes a back seat to the holidays. However, December can be one of the most strategic times for buyers and sellers in Greater Victoria. Fewer active participants, motivated decision-making, and year-end financial considerations create opportunities that are easy to miss without a plan. Here are practical steps buyers and sellers should consider before the year ends: Year-End Strategies for Home Buyers Review Financing and Get Pre-ApprovedIf you are planning to buy in the new year, now is the time to review your mortgage options. Securing a pre-approval helps you understand your purchasing power and protects you against potential rate changes. It also allows you to act quickly if the right property appears during the quieter winter market. Refine Your Search CriteriaUse December to narrow down neighbourhoods, property types, and non-negotiables. Attend open houses, explore communities, and track recent sales. This groundwork positions you to move decisively when new listings appear in January. Watch for Motivated SellersSome sellers list in December due to job relocations, financial deadlines, or life changes. With less competition from other buyers, you may find more room to negotiate on price, conditions, or possession dates. Prepare for Tax and Legal PlanningIf you are purchasing an investment property, review tax implications, ownership structure, and closing timelines with your accountant or lawyer before the year ends. Year-End Considerations for Home Sellers Assess Market Value and TimingEven if you are planning to sell in early spring, December is an ideal time to assess pricing, recent comparable sales, and buyer demand in your area. This allows you to enter the new year with a clear strategy rather than reacting to the market. Complete Pre-Listing ImprovementsUse the slower season to handle repairs, maintenance, and energy-efficiency upgrades. These improvements can increase buyer confidence and reduce negotiation friction once your home hits the market. Organize Documentation EarlyGather property disclosures, permits, strata documents if applicable, and utility records now. Being prepared reduces stress and shortens timelines when you are ready to list. Consider a Strategic Winter ListingIn some cases, listing before year end can be advantageous. With fewer homes on the market, well-presented properties often receive more focused attention from serious buyers. Planning Ahead Creates Leverage Whether you are buying or selling, end-of-year planning is about preparation, not pressure. Taking the time now to review finances, understand the market, and clarify your goals puts you in a stronger position heading into the new year. In Greater Victoria’s competitive real estate market, informed and proactive decisions often make the difference between reacting to change and benefiting from it. Yemi E., 5-Star Review, via Google “Scott has been very receptive and sincere with my family since we’ve been on the island 2 years ago. The fountain of knowledge mixed with the love of the island truly shows. I recommend this agent cause he actually listens to your needs.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood & Zachary Parsons “Building Lasting Relationships, One Home at a Time.”

Detached homes in Greater Victoria continue to offer stability and long-term value, even as interest rates, inventory, and buyer behaviour shift. Strong demand combined with limited supply keeps single-family homes attractive for both homeowners and investors. Limited Supply Supports Long-Term Value Geographic constraints, including the ocean, mountains, and protected green space, limit new detached home construction across Greater Victoria. Planning policies that prioritize higher-density housing further restrict supply, particularly in established areas such as Saanich, Oak Bay, View Royal, and parts of the Westshore. This ongoing scarcity supports long-term price strength. Consistent Buyer Demand Across Market Cycles Detached homes appeal to a wide range of buyers, including families, move-up buyers, downsizers seeking privacy, and long-term investors. Access to outdoor recreation, reputable schools, and established amenities keeps demand steady, helping reduce market volatility compared to other property types. Stronger Resale and Rental Performance Single-family homes typically offer greater resale flexibility and are less impacted by strata rules or special assessments. As rentals, they often attract stable, long-term tenants and command higher rents, with demand frequently exceeding supply in well-located neighbourhoods. Adaptability and Future Potential Detached homes offer flexibility to renovate, add secondary suites where permitted, or improve energy efficiency. Some properties may also benefit from future redevelopment or gentle density opportunities, adding long-term upside. A Hedge Against Market Uncertainty While no investment is risk-free, detached homes in Greater Victoria have historically demonstrated resilience. Their combination of land value, limited supply, and consistent demand makes them one of the most reliable segments in the local real estate market. Lisa Shortt, 5-Star Review, via Google “Scott went above and beyond for us in both finding our dream home and selling our condo. He listened to us and provided professional advice for each circumstance. Would highly recommend!” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood & Zachary Parsons “Building Lasting Relationships, One Home at a Time.”

The return of conditional offers is a sign of a more balanced market. In Greater Victoria, increased inventory, longer Days on Market, and more price-sensitive buyers have changed negotiation dynamics. Buyers are no longer feeling the same pressure to remove all conditions immediately. Instead, they are taking time to evaluate value, financing, and risk before committing. What Is a Conditional Offer A conditional offer is an offer to purchase that includes specific conditions the buyer must satisfy before the sale becomes firm. Common conditions include financing, home inspection, strata document review, or the sale of another property. During highly competitive markets, conditional offers often disappear as buyers compete to make firm offers. As the market shifts, conditions tend to return, giving buyers more room to perform due diligence. What This Means for Sellers For sellers, conditional offers do not mean the market is weak. They indicate a shift toward more thoughtful and structured negotiations. Sellers may notice: Fewer firm offers More inspection and financing conditions Longer conditional periods Understanding this shift helps sellers respond strategically rather than emotionally. How Conditional Offers Impact Negotiations Conditional offers create additional negotiation points beyond price. Terms and conditions now matter more than ever. Key areas of negotiation often include: Length of the condition period Deposit amount and timing Price adjustments based on inspections Flexibility around completion dates A clean offer with reasonable conditions can sometimes be stronger than a higher-priced offer with uncertainty. When a Conditional Offer Can Be a Strong Offer Not all conditional offers carry the same risk. Some are well structured and supported by strong buyer preparation. A strong conditional offer often includes: Short condition timelines Larger deposits Limited and specific conditions Evidence of financing preparation Evaluating the quality of the offer is just as important as evaluating the price. Seller Strategies in a Conditional Offer Market Sellers can protect their position while remaining competitive by setting clear expectations. Effective strategies include: Pricing accurately from the start Reviewing pre-listing inspection options Understanding which conditions are reasonable Negotiating backup offers when possible A proactive approach helps maintain leverage during negotiations. The Role of Your Agent in Conditional Negotiations Negotiating conditional offers requires market knowledge and experience. An agent who understands local trends can help assess risk, negotiate terms, and manage timelines. Strong representation ensures that conditions are properly structured, deadlines are enforced, and the seller’s interests remain protected throughout the process. The return of conditional offers reflects a healthier and more balanced real estate market in Greater Victoria. For sellers, success comes from understanding the shift and adapting negotiation strategies accordingly. With the right pricing, preparation, and guidance, sellers can still achieve strong results while navigating conditional offers with confidence.