Zach Walker - Pemberton Real Estate

02/25/2026

The housing market isn’t resetting — it’s recalibrating. And the data is starting to reflect real momentum.

📊 Affordability is now at a 4-year high.
According to the National Association of Realtors, if 30-year fixed mortgage rates settle around 6%, an estimated 5.5 million more households could afford to buy — with roughly 10% of them expected to transact within the next 12–18 months.

Let’s be clear: we are not going back to pre-COVID interest rates.
That would require extreme changes like:
• Home prices dropping dramatically
• Household incomes surging far beyond current trends
• Mortgage rates returning near historic lows around 2%

That’s not realistic.

But progress? Progress is happening.

Buyer psychology is shifting. After years on the sidelines, many buyers are adjusting expectations while life events continue to drive real moves — relocations, growing families, downsizing, and career changes don’t wait for perfect rates.

At the same time:
🏡 Inventory is making a comeback after historic lows
📈 More homes are projected to sell than in the past two years
🔒 Over half of homeowners still hold mortgage rates under 4%, which continues to influence supply

Even in Minnesota’s seasonally tighter winter market, listings have been gradually increasing — and most experts are forecasting stronger activity ahead. A projected rise in annual closed sales could mean roughly 250,000 additional transactions entering the market in 2026.

What does this mean?

More listings.
More buyers.
More opportunity.

For those paying attention, momentum is already building.

If you’re wondering how these trends impact your buying or selling plans this year, let’s connect and talk strategy.

— Zach Walker
Pemberton Real Estate

12/06/2025

A few months ago I met my client for the first time and had no idea how special this journey would become. My client reached out to me about a home in the beautiful Kenwood Park neighborhood and the moment we walked in it was clear that the architecture and unique character were something truly special.

My client recently moved back to Minnesota and during our conversations I learned that my client is an artist who creates sculptures. The interesting part is that the seller was also an artist. It felt like the home was meant to be passed from one creative soul to another.

We went into this with a clear strategy and it paid off. We were able to secure one hundred twenty five thousand dollars off the purchase price and thirty five thousand five hundred in seller contributions. Most importantly the goal was to have everything wrapped up before Christmas. Mission accomplished.

I am genuinely so happy for my client and grateful to be a part of this chapter.

If you have any real estate needs I am always here to help.

Zach Walker | ZWRE
Pemberton Real Estate
612-756-3236
[email protected]

11/02/2025

🎉 Offer Accepted! Now What Happens Next?

You found the one! Your offer was accepted! Woohoo!

But what happens after that? Here’s what really goes on behind the scenes!

1️⃣ Earnest Money Deposit
This is the buyer’s “good faith” money. Typically due within a few days of acceptance to officially lock in the deal.

2️⃣ Inspection Period
The buyer now schedules home inspections to make sure there are no hidden surprises. If anything major comes up, this is where negotiations can happen again.

3️⃣ Appraisal
The lender sends an appraiser to confirm the home’s value matches the agreed purchase price.

4️⃣ Loan Finalization
The lender gathers final documents, verifies everything, and gives the clear-to-close.

5️⃣ Final Walkthrough & Closing Day
One last look at the home to make sure everything’s in order, then it’s signing time!
Keys get handed over and it’s officially yours! 🏡

💡 Pro Tip:
Even after the offer is accepted, having a strong agent guiding the next steps makes all the difference — that’s where I come in.

Thinking about buying or selling? Let’s make your next move happen.

Zach Walker | ZWRE | Pemberton Real Estate
612-756-3236
[email protected]

11/01/2025

Thank you for your trust and support! 🏡

10/17/2025

Before ➡️ After 🔥
We took this kitchen from closed-off to completely open — and the difference is unreal.
Brighter. Better flow. More space to live, cook, and actually enjoy being home.

You’ve got to see this one in person. 👀

ZWRE | Pemberton RE


Pemberton RE

https://www.zillow.com/homedetails/20980-Parkfield-Ave-Jordan-MN-55352/2170230_zpid/?utm_campaign=iosappmessage&utm_medium=referral&utm_source=txtshare

10/08/2025

You do great work! MW Photography

Thank you for your review!

10/08/2025

Thankful. So grateful for all the love and support. These reviews mean more than you know. Thank you for letting me be part of your lives and home journeys.

10/01/2025

09/20/2025

🏡 Welcome to ZWRE – Your Twin Cities Real Estate Experts!

At ZWRE, we’re passionate about making the home buying and selling process smooth, strategic, and stress-free. Whether you’re purchasing your first home, upgrading, downsizing, or investing, we’re here to guide you every step of the way.

✨ Why clients choose ZWRE:
✔ Deep Twin Cities market knowledge
✔ Skilled negotiation & strategy
✔ Personalized, client-first service
✔ Backed by eXp Realty & Pemberton Homes

If you’ve worked with us before or simply want to support our business, please take a moment to leave us a 5-star review here on Google. Your feedback not only helps us grow, it also helps more families find trusted guidance in their real estate journey.

📲 Ready to make your next move? Call or text us today at 612-756-3236!

Post a review to our profile on Google

09/17/2025

The real estate market is about to heat up again. We’ve been in a lull for the past three years but that’s about to change. Later today the Fed is expected to announce a rate cut and that’s why we’ve already seen rates drop close to 6 percent this week.

We’ve locked in several buyers under 6 percent using VA and FHA programs, and many are taking advantage of seller-paid points. What most people don’t realize is consumers rarely act in real time. The majority react only after the news cycle, social media buzz, and everyday conversations confirm what’s happening in the market.

Over the next few months you’ll hear more about the economy slowing down, unemployment ticking up, and inflation being under control. All of this supports lower interest rates and more affordable debt for consumers, which will gradually bring mortgage rates down. Rates shoot up quickly like a firework but they always come back down slowly and consistently like a parachute.

Looking ahead, there will almost certainly be changes at the Fed which will also apply downward pressure on mortgage rates. When rates get into the 5’s it will be headline news everywhere. That’s when demand will return in full force. Buyers will flood the market, sellers will list again, and the number of closed sales will climb. We’ve been stuck at around 4 million annual sales but over the next 12 to 18 months I believe that number will rise toward 4.75 to 5.5 million, and we’ll be in the middle of a strong 4 to 5 year run.

If you’re thinking about buying, refinancing, tapping into equity for investments, or simply wanting to know where you stand, now is the time to start preparing. The best opportunities go to the people who are organized and ready.

📲 Zach Walker | ZWRE
eXp Realty | Pemberton Homes
612-756-3236

09/11/2025

Nestled on 10 private acres at the end of a secluded drive, this custom-built retreat offers the perfect blend of comfort, space, and natural beauty. The open-concept layout is anchored by a vaulted great room with a striking stone fireplace, while a sunroom and abundant windows frame peaceful views of the surrounding woods and pond—ideal for watching wildlife year-round. The kitchen offers generous storage and prep space, perfect for everyday living or entertaining. Downstairs, enjoy a spacious amusement room complete with a gas fireplace and built-in bar. Outside, relax on the covered front porch, take advantage of the attached two-car garage, and explore the 40x64 outbuilding featuring a heated workshop. Additional features include a dog kennel, invisible fencing, and trails winding through picturesque, wooded acreage.

3 beds | 3 baths | 3,006 Sq. Ft.

$795,000