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804Mortgage
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Richmond, Virginia

A Richmond mortgage broker with real estate agents on the same team.

Get your loan and your agent from one place. Buy through our agents and half the buyer-agent commission comes back to you at closing.

Get Pre-Approved Free Schedule a Call
NMLS #1904162 5 stars on Google Licensed in Virginia
On a $400,000 Richmond home

What you keep with 804

Buyer-agent commission at 3%$12,000
Bundle & Save credit back to you*$6,000
Listing fee if you're also selling1.5%
Credit applied toClosing costs
Today's rateCall for today's rate
See how Bundle & Save works

How does this work?

The short version, from us. Half the buyer-agent commission comes back to you at closing, and this is how.

Half the commission, yours — 804Mortgage How Does This WorkPlay the video

Prefer to read it? The four steps are further down this page, and the full detail is on Bundle & Save.

Three ways to work with us

Take one, take two, or take all three. The savings stack when you do.

Your mortgage

Conventional, FHA, VA, and jumbo, all through a local broker who answers the phone. Pre-approval is free and commits you to nothing.

See loan options
Bundle & Save

Buy with our agents

Buy your home through our REALTORS® and half the buyer-agent commission comes back to you at closing.* On a $400,000 home that runs about $6,000.

How the credit works

Sell for 1.5%

Full-service listing at a 1.5% listing fee instead of the 3% most Richmond sellers pay. Same MLS exposure, same negotiation, same representation through closing.

Selling and buying at once How selling works

See what you'd keep

Pick a price and a situation. No email required.

I'm looking to
Home price
Bundle & Save credit at closing$3,750
Saved on your listing fee$3,750
Total kept across both sides$7,500
Bundle & Save credit at closing$4,500
Saved on your listing fee$4,500
Total kept across both sides$9,000
Bundle & Save credit at closing$6,000
Saved on your listing fee$6,000
Total kept across both sides$12,000
Bundle & Save credit at closing$7,500
Saved on your listing fee$7,500
Total kept across both sides$15,000
Bundle & Save credit at closing$9,000
Saved on your listing fee$9,000
Total kept across both sides$18,000
Bundle & Save credit at closing$11,250
Saved on your listing fee$11,250
Total kept across both sides$22,500

Assumes a 3% buyer-agent commission and a 3% typical listing fee. Your actual numbers depend on the contract. Full terms are in the footer disclosure.

Get Pre-Approved Free

How it goes

Four steps, and the first one is the application.

1

Get pre-approved

Free, no commitment, and you'll know your real budget before you tour anything.

2

Tour with our agents

Same team, so your agent already knows what you're approved for.

3

Write a strong offer

Underwriting and the offer get written by people who talk to each other daily.

4

Close and take the credit

Your Bundle & Save credit is applied at the closing table.*

Where we work

Richmond and the surrounding counties, including Henrico, Chesterfield, and Hanover.

Short Pump Midlothian Church Hill See all areas we serve

Common questions

What does a mortgage broker in Richmond actually do?
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.
How much does the Bundle & Save credit come to?
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.
Is pre-approval free, and does it commit me to anything?
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.
What's the 1.5% listing fee compared to?
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.
Can I use your agents without using you for the mortgage?
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.
What loan types do you offer?
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.

Ready to find out what you qualify for?

Free pre-approval, no commitment, and a straight answer from a local team.

Get Pre-Approved Free Schedule a Call
Or call us directly: (804) 593-0344