Future Asset Realty

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Future Asset Realty Every move is strategic 🏠Every client is priority #1️⃣FAR-Because your future deserves more📈

10/21/2026

An association-maintained home can offer more convenience and less exterior upkeep 🙅‍♂️but the monthly dues are only part of the story. 🏡 Before buying, review exactly what the association covers, its rules and rental restrictions, master insurance policy, reserve funds, budget, and any current or upcoming special assessments.

The right association can simplify homeownership, but understanding the documents helps you avoid expensive surprises. Would you prefer less maintenance or more control over your property

10/20/2026

Think you know your real-estate terms?

🏡 Put your knowledge to the test! Match appraisal, inspection, earnest money, and closing costs with the correct meanings, then comment your answers below using this format:

A–?, B–?, C–?, D–?

No searching,the answers will be revealed later! 👀📚

10/19/2026

Can you refinance later? Possibly 🤔but it should never be the only reason your home purchase works. Refinancing means applying for a new loan, so your future income, credit, debt, home equity, property value, closing costs, and the rates available at that time will all matter.

Before buying, make sure the payment is comfortable today and treat refinancing as a future opportunity 📝not a guarantee. 🏡

10/18/2026

Temporary and permanent rate buydowns can both lower a mortgage payment but they work very differently.

🏡 A temporary 2-1 buydown subsidizes the first two years of payments before the borrower begins making the full payment based on the note rate. A permanent buydown uses upfront discount points to obtain a lower interest rate, which may create savings over the life of a fixed-rate loan. Before choosing, compare the upfront cost, full payment, break-even point, and how long you expect to keep the loan.

The best option is determined by the math 🧮 not simply the lowest first payment.

10/17/2026

Mortgage rates don’t always wait for the Federal Reserve to make an announcement. 🏡 The market is constantly reacting to inflation reports, employment data, economic growth, Treasury yields, mortgage-backed securities, and expectations about what the Fed may do next.

The Fed targets a short-term policy rate,it does not directly set mortgage rates,so mortgage rates may fall before a Fed cut or even rise afterward. The key takeaway: markets are always looking ahead

10/16/2026

An adjustable-rate mortgage isn’t automatically risky 🚫and it isn’t automatically the best strategy.

🏡 An ARM typically begins with a fixed introductory rate before becoming adjustable. The key is understanding how long the initial rate lasts, how often it may change, what caps limit those changes, and what your highest possible payment could be.

When the loan structure matches your timeline, budget, and long-term plan, an ARM may be a useful tool.

Always review the complete terms with a licensed mortgage professional.

Thursday Wind Down | Mortgage Market Check-In 🏡Before we head into the weekend, here’s this week’s snapshot: Freddie Mac...
10/15/2026

Thursday Wind Down | Mortgage Market Check-In 🏡

Before we head into the weekend, here’s this week’s snapshot: Freddie Mac’s 30-year fixed average held at 7.40%. In the Twin Cities, inventory is up 13.1% from a year ago, while pending sales are down 21%.

Swipe through for what the numbers could mean for buyers and sellers.

Have questions?

Future Asset Realty and Matt McGuire at Koti Mortgage are here to help you make a plan that fits your goals.

Your Future, Our Priority.

10/15/2026

🍔🍹 This Thursday’s Restaurant Spotlight takes us to Brick & Bourbon in Apple Valley!

From bold comfort food and handcrafted cocktails to a warm industrial atmosphere and relaxing outdoor patio, it’s a great local spot for date night, dinner with friends, or a casual night out. Add it to your list and let us know what you’re ordering first!

📍 14883 Florence Trail, Apple Valley, MN 55124 (brickandbourbon.com)

10/14/2026

🏡 Home Spotlight: The Twin Home A twin home typically consists of two attached residences that share one common wall while offering separate entrances and ownership.

Unlike many traditional townhomes, a twin home may include ownership of the home and its lot, with little or no HOA involvement. Before buying, always verify the shared-wall agreement, exterior maintenance responsibilities, insurance requirements, and any applicable HOA rules. It’s attached living with a little more independence!

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Northwest Registered Agent LLC 202 N Cedar Avenue Suite #1
Owatonna, MN
55060

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