The Smarter Way to Buy or Sell a Home in Richmond.
We’re the only team in Richmond where your mortgage lender and real estate agent are the same team. One process, one conversation, thousands of dollars saved.
Three Ways to Save With 804Mortgage
Richmond's only team combining mortgage and real estate under one roof.
Your Mortgage
Local lender. Fast pre-approvals. Every loan type. Someone who picks up the phone.
See Loan Options →Sell Your Home
Full service. Half the typical cost. 1.5% Listing Fee. On a $400k sale, that's $6,000 more in your pocket.
Learn How to Sell →Bundle & Save
Buy with our in-house real estate agents and get half the buyer-agent commission back, applied to your closing costs or your interest rate.*
See How It Works →Richmond Trusts 804Mortgage
★★★★★ Rated 5 Stars on Google
Nobody Else in Richmond Does This
We built something that doesn’t exist anywhere else.
When you buy through our real estate agents, half the buyer-agent commission comes back to you at closing. No other Richmond team does this.
Full service listing for half the typical fee. Same results, you just keep more equity. That's $6,000 more in your pocket on a $400,000 home sale.
Your lender and your real estate agent are on the same team. One conversation, one process, saving you time and stress.
See Your Savings
Enter a home price and pick your situation.
Serving Richmond & Surrounding Areas
From Short Pump to Church Hill — we know every neighborhood.
Ready to Save Thousands on Your Next Move?
No commitment. No pressure. Just a straight conversation with a local Richmond team who’s done this before.
804Mortgage, LLC (NMLS #1904162) is a licensed mortgage lender in the Commonwealth of Virginia. 804Mortgage Home Sales Team operates under Swell Real Estate Co. Both companies are affiliated under common ownership. You are NOT required to use both services.
*The Bundle & Save credit is based on 50% of the buyer-agent commission paid by the seller, applied toward allowable closing costs or a rate buydown at closing, subject to lender approval and applicable limits. Credits cannot be received as cash.
The 1.5% listing fee applies to the listing-side commission only; buyer-agent commission, if any, is negotiable and set separately. Actual savings vary. All loan applications are subject to credit approval and underwriting guidelines. This is not a commitment to lend. Equal Housing Lender | Equal Housing Opportunity.