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Experienced Broker's Associate in Melbourne Florida.

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About K Company Realty

The K Company Realty, LLC is a nationally ranked vibrant company that's paved its way as a premier full service real estate firm. Our high level of customer service makes our clients comfortable, our market expertise makes them confident and the results make them smile. Tech savvy, advanced and involved in our industry, we're often referred as the new way of real estate or the game changers. We've developed the most efficient physical and online platform for agents to operate from allowing them to be more client focused and profitable. In just the last few years we've become the fastest growing firm in Florida and have successfully opened our operation in Colorado. We're acknowledged as a Top 50 Broker by sales volume in the state of Florida, established our K Company Cares philanthropy initiatives, received press from the likes of South Florida Business Journal and most recently became a Crystal R Major Investor for the Florida and National REALTOR Political Action Committee. Our commitment to our community, agents, and industry is evident through our actions.

The company delivers a wide range of services and we arm our REALTORS with all of the resources needed under one roof. With over 1,200 agents and a broad range of talent, we help people purchase their first homes, investors building their portfolios, businesses leasing space, homeowners looking to redevelop or build new homes and more. Over the years we've worked to develop strong relationships with the best mortgage, insurance, title and closing professionals the industry has to offer. This ensures our clients receive top tier service through the entire process of their transaction.

Charles Marchica, Broker's Agent



Want to find the best homes on the Space Coast?
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Frequently Asked Questions

Getting pre-approved for a mortgage is the first step of the home buying process. Getting a pre-approval letter from a lender get the ball rolling in the right direction. Here's why:

First, you need to know how much you can borrow. Knowing how much home you can afford narrows down online home searching to suitable properties, thus no time is wasted considering homes that are not within your budget. (Pre-approvals also help prevent disappointment caused by falling in love unaffordable homes.)
Under normal market conditions, the average time to complete the sale of a home is 30 to 45 days. Though, well-prepared home buyers have been known to purchase properties faster than the averages.

Market conditions are a major factor in how fast homes are sold. In hot markets with a lot of sales activity, buying a home may take a little longer than normal. That's because several parties involved in the transaction get behind when business suddenly picks up. For example, a spike in home sales increases the demand for property appraisals and home inspections, yet there will be no increase in the number of appraisers and inspectors available to do the work. Lender turn-around times for loan underwriting can also slow down. If each party involved in a deal takes a day or two longer to get their work done, the entire process gets extended.
Most loan programs require a FICO score of 620 or better. Borrowers with higher credit scores represent less risk to the lender, often resulting in a lower the down payment requirement and better interest rate. Conversely, home shoppers with lower credit scores may need to bring more money to the table (or accept a higher interest rate) to offset the lender's risk.
The national average for down payments is 11%. But that figure includes first time and repeat buyers. Let's take a closer look.

While the broad down payment average is 11%, first time home buyers usually only put down 3 to 5% on a home. That's because several first-time home buyer programs don't require big down payments. A longtime favorite, the FHA loan, requires 3.5% down. What's more, some programs allow down payment contributions from family members in the form of a gift.
If the built-up equity in your current home will be applied to the down payment on the new home, naturally the former will need to be sold first.

Some home buyers decide to turn their current home into an investment property, renting it out. In that case, the current home will not need to be sold. However, your loan advisor will still need to evaluate your risk profile and credit history to determine whether making a loan on a new home is feasible while retaining title to the old home.

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