Most real estate agents keep their commissions. We give half of ours back to you.

A broker shops your loan across multiple lenders instead of selling you one bank's products. We take your application once, compare what several lenders will offer, and bring back the options. You get more choices without more paperwork, and we handle the loan from application through closing.

It's half the buyer-agent commission paid by the seller. On a $400,000 Richmond home at a 3% buyer-agent commission, that's roughly $6,000 back to you at closing.* The exact figure depends on the commission written into the contract, so we confirm it before your offer goes in.

It appears on your Closing Disclosure and is applied first to allowable closing costs. If your closing costs are already covered, the remainder can go toward buying down your rate. Interested Party Credit limits vary by loan type and down payment, and we confirm the applicable ceiling before your offer is written.

Free, and it commits you to nothing. It's a review of your income, credit, and assets so you know what you can actually borrow before you start touring. The application takes a few minutes online.

Most Richmond listing agents charge around 3% of the sale price on the listing side. We charge 1.5% for MLS listing and syndication, showings, negotiation, contract management, and closing coordination. Photography and staging are not part of the fee, and we connect you with local vendors for those. The buyer-agent commission is separate and negotiable.

Yes. The two services are separate and you're never required to use both. Our real estate team works with buyers who finance elsewhere, and we write plenty of loans for buyers who already have an agent.

Conventional, FHA, VA, and jumbo, in fixed terms from 10 to 30 years, plus refinancing. Conventional is the most common in the Richmond market. If you served, the VA loan is usually worth a look first because of the zero-down benefit.