SergeantZak

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Tik Tok: https://vm.tiktok.com/ZMJC3YNjB/

01/19/2021

Do you control money or money control you? 🤔

To take control over your financial situation and make your money behave you have to start budgeting money 💰

?Here is what you get when you budget your money every month:

👉 You stop overspending
👉 Your savings account grows significantly faster
👉 You control your life

What do you find the most difficult about budgeting money? I really want to know...💭

01/07/2021

10 steps to become a homeowner.
Did you start saving money for your next house?

12/30/2020

Interesting investing statics that makes you want to start investing now

👉 1. If you do not start saving until 45, you will need to save three times as much as if you start at 25

👉 2. Interest rates on bank cash deposits will never beat inflation.

👉 3. If you invested $100 in Amazon 20 years ago, you'd have $50,000

👉 3. The longer money compounds, the faster it grows. Money growing at 6% per year will double in about 12 years, but it will be worth four times as much in 24 years!

👉 4. 0.75% in fees equates to a 20% smaller nest egg in just 30 years

👉 People who follow Sergeant Zak are 20 times more likely to become financialy free 😉

12/26/2020

Do you really think that McDonald's is a restaurant?🤔

Get ready. I'm gonna blow you mind with this 3 insane facts about real estate.

🔥 Insanity #1 🔥

When the Eiffel Tower was constructed, the designer included a secret apartment for himself at the very top.

Gustave Eiffel designed an apartment located at the top of the Tower. But did he really live in it?

It was intended from the very beginning that the last floor of the Eiffel Tower be used to accommodate visitors.

Eiffel’s apartment included a living room with a table, a couch, a piano and three small desks, a kitchen, a bathroom with a sink, and a separate toilet cubicle. Without a bedroom, this dwelling was primarily designed to comfortably accommodate notable guests and for Gustave Eiffel to work on scientific experiments.

🔥 Insanity #2 🔥

In Scotland, there is a common custom of painting your door red whenever you pay off your mortgage.

Anyone local who owns a home knows about this custom. So, next time you’re in Edinburgh, keep an eye out for homeowners who reached this important milestone.

🔥 Insanity #3 🔥

Most people don't realize it but McDonald’s is not a burger-flipping restaurant chain. It's one of the biggest real estate portfolio in the world. While franchisees flipping burgers, McDonald’s gets paid for owning the best commercial real estate all over the world. Have you noticed that their restaurants are located in the most attractive areas? That is the key to McDonald's huge success over the years. It buys properties that are or will be a very good location for McDonald's restaurant. Then they charge not only the franchisees fee to use their name but also they charge rent to these franchisees in order to use these great locations.

P.S

@ Long Island City

12/09/2020

Wherever you go, go with all your heart. Whatever you do, do your best. Give 100% of you to every project, every moment and every client. It will help you growing faster than others. Remember, how you do anything is how you do everything

12/06/2020

There are three types of buyers. Those who learn from their own mistakes, those who don't learn from their mistakes, and those who follow Sergeant Zak and don't make mistakes in the first place 😉
My dear followers, let's gossip a little about other homebuyers' mistakes.

⛔️Mistake 1: Not understanding the full cost of homeownership!

On top of the down payment add closing costs and renovation costs. Depending on the area and other factors closing costs can vary from 2 to 5 % of the loan principal. It includes:
1. Property-related fees
a) appraisal fee
b) home inspection fee
c) title search
d) title insurance

2. Mortgage-related fees
a) credit report fee
b) origination fee
c) application fee
d) underwriting fee
e) local fees

3. closing documents

While you can’t avoid paying all the closing costs, there are some that can be negotiated, potentially saving you money.
[ ]

⛔️Mistake 2: Applying for credit before the sale is final

The period between you apply for a mortgage and you close, is critical. You want to leave your credit alone as much as possible. Wait until after closing to open new credit accounts or charge big expenses to your credit cards.
[ ]

⛔️Mistake 3: Assuming you won’t qualify

Many renters think they can’t afford to buy a house because they haven’t saved enough to pay a 20 percent down payment. But you might be surprised to see what kind of house you could potentially buy based on the amount you spend every month on rent. While 20 percent is ideal, you don’t necessarily need that large of a down payment to buy a home. There are loan programs that cater to first-time homebuyers, such as the FHA loan, which allow for down payments as little as 3.5%; conventional loans - 3 percent; VA loans for veterans and military or USDA loans for buyers in rural areas, don’t require a down payment at all.
[ ]

P.S “Experience is simply the name we give our mistakes.” Oscar Wilde. Sergeant Zak helps you to become experienced faster

@ Long Island City

12/04/2020

Credit has become so important that it can impact where you work and even where you live.
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P.S thanks .zakharchenko_ for video editing and guidance in social media world

12/02/2020

No more lies about downpayment... I will tell you the truth 🤔

Greeks mythology is not the number one trend on Instagram. However, people in the real estate world adopted the idea of telling imaginary stories and even brought it to the next level. 🤥

Likely for those who behaved the whole year, the CEO of Karma deployed Sergeant Zak to debunk most common myths around the down payment. Let's get into this.🛡

🧚‍♀️ Myth 1 🧚‍♀️
I bet 5$ you have heard multiple times that
🤥: “You need to make a down payment of 20 percent” 🤦🏻‍♂️
The truth is Conventional programs offered by Fannie Mae and Freddie Mac require just 3 percent down, and FHA loans call for 3.5 percent.
It worth to mention 0% down programs such as VA loans for those who risk their lives to keep us safe (our brothers and sisters who served in the military 🎖and USDA loans in some rural communities.

🧚‍♀️ Myth 2 🧚‍♀️
Some individuals keep saying that
🤥: “The down payment must come only from your savings.” 🤦🏻‍♂️

The truth is you have so many options. For example, you can use gift money as a part of a down payment. So next time, during thanksgiving dinner, make sure you keep great relationships with your employed relatives 😂

🧚‍♀️ Myth 3 🧚‍♀️
The last one is less popular
🤥: “Down payment assistance programs are only for first-time homebuyers” 🤦🏻‍♂️

I’m running out of sarcastic jokes so the next two paragraphs I just copied from Wikipedia. You mother fu***rs don’t read long articles anyway. 😜 Did I say it loudly 🙀? You can curse me back in the comment section below😉

📖Forty-one percent of homeownership programs are available for repeat home buyers, according to Down Payment Resource.
It’s also important to understand that a first-time homebuyer is defined by HUD as someone who has not owned a home in three year🤫

💡Fun Fact 💡
Ok. Now bonus part for nerds who are still reading. Fun Fact: “Mortgage is Related to Death”
The word mortgage stems from the Old French word ”morgage,” or “mort gaige,” which means “dead pledge.” Your mortgage dies once you pay it off or fail to make payments.

I am Sergeant Zak. I got your back. 🛡
@ Long Island City

11/26/2020

What is your life changing decision?
Mine is the moment I decided to become a Mortgage Loan Officer. It's not just a career for me or source to make money. It's something bigger. It's a mission to educated financially as much people as possible. 🎖

"The number one problem in today's generation and economy is the lack of financial literacy" - Alan Greenspan, American economist, said it a half century ago. But it still true today. let's fix it together 🤝

P.S 👉my personal account .posssum.
👉Video editor and Social media strategist - .zakharchenko_
👉for Instagram algorithm 😂:

11/23/2020

What secret do skyscrapers keep from us?🧐

You can’t build a Skyscraper following the same principles as building 3-family-house. You need to change the building process completely. You have to think and act outside the box. 😉

It’s also true for your personal growing. You can’t make massive progress doing small changes. Massive results required big changes in thinking, decisions making and acting. 💪

Sometimes you need to climb all the way to the rooftop to be able to see something that is right under your nose.🔥

Go big. Think big, act big, achieve big.

P.S great job photograph
@ Top of the Rock NYC

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Long Island City, NY

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