Richmond, Virginia

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.

     EXCELLENT  
  116 reviews

On a $400,000 Richmond Home

Here's What You Save With 804

Your Mortgage Competitive rates, fast close

Sell Your Home 1.5% listing fee

Bundle & Save $6,000 credit*

Credit Applied To Closing costs or rate

See How Bundle & Save Works →

Three Ways to Save With 804Mortgage

Richmond's only team combining mortgage and real estate under one roof.

🏦

Your Mortgage

Competitive Rates

Local lender. Fast pre-approvals. Every loan type. Someone who picks up the phone.

See Loan Options →

🔑

Sell Your Home

50% Fee Savings

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 →

Best Value

💰

Bundle & Save

$6,000 Credit at Closing*

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

      
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Sarah Marshall 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will Schroeder has been our mortgage broker on two separate occasions and has done a terrific job on both. He went above and beyond his responsibility in helping us through the process as well as locating the best deal possible. He is a pleasure to work with which makes the process less of a chore. I definitely recommend Will to anyone who is looking for a thoughtful and careful broker who looks out for his clients best interests. Alex Innes did a fantastic job of Setting up both our home and apartment . He always answered emails promptly and addressed all concerns. He was a pleasure to work with and given we were locating to another country it was particulary  helpful to have someone on hand who we could trust implicitly.
  
 
     Posted on Google  
   
   Jason Strohl 
 4 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will was wonderful to work with. Not only did he complete all the tedious paperwork quickly, he carefully looked over everything and even gave me options to lower closing costs so I could keep more cash on hand. Not only that, he is an extremely kind and warm individual! We are lucky to have folks like Will in Richmond - he's a fantastic example of what makes this city so great!
  
 
     Posted on Google  
   
   Rob Denison 
 11 days ago
 
 
 Trustindex verifies that the original source of the review is Google. William Schroeder at 804Mortgage is absolutely exceptional. Deeply knowledgable across mortgage products, real estate transactions, and financial consulting, Will answers questions with a genuine mix of information, respect, and humor. When I am trying to weigh the pros/cons, he is the first person I call, and we have used 804Mortgage on multiple occasions.
  
 
     Posted on Google  
   
   Amanda Lanyon 
 22 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Alex and Will were very helpful in the purchase of my very first home. They were very patient and guided me in the right direction from the beginning. Through the process they were very responsive. We are very happy with the services! Definitely would recommend.
  
 
     Posted on Google  
   
   Michele Leonard 
 36 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will is one of a kind. He actually take time for you and understand what you are looking for in a home. He does his research and send you what you want to see. He has a charming personality and funny. So if you need a Relator he is the guy also Alex a perfect team!!!
  
 
     Posted on Google  
   
   Blaine Helmich 
 39 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience with great people and a much better business model for customers than traditional real estate agencies.
  
 
     Posted on Google  
   
   Aubrey Hannum 
 41 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I cannot speak more highly of Will Schroeder! Will was incredibly thorough, communicative, helpful, and so amazing to work with. He made us feel so supported and prioritized during the entire process! His kindness, care for detail, and work ethic helped us find our dream home and we are forever grateful! Highly recommend him for anyone!
  
 
     Posted on Google  
   
   Nicole Hawkins 
 41 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will and Alex made the process of looking for and purchasing our first home so much smoother than it would have been otherwise! From flexibility for scheduling to endless patience with our questions, we could not have had a better team. They have so much knowledge about the process all the way through, on both the purchasing and mortgage sides. They were reliable, transparent, and acted with integrity throughout each phase and we felt well represented in the bidding process. They worked hard to get us the best possible rate, which was lower than what we would have gotten elsewhere. Highly recommend!
  
 
     Posted on Google  
   
   Marvin Mundy 
 42 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Choosing 804 Mortgage Inc was the best decision I made in my homebuying journey. Mr. William Schroeder, the founder, and I have become very good friends throughout this process. That tells you everything about how they operate - personal, honest, and they truly care. From day one, the team treated me like more than a client. They explained every step in plain English, fought for the best rate, and got me into my dream home with zero stress. I’m proud to call William a friend and grateful to 804 Mortgage for making homeownership real for me. If you’re buying in RVA, start here. I recommend them 100% to anyone looking to buy a home. Marvin and Michele Thankyou, Mr. William Schroeder
  
 
     Posted on Google  
   
   Rachel Martin 
 82 days ago
 
 
 Trustindex verifies that the original source of the review is Google. It was a joy working with Alex and Will. Alex was responsive, encouraging, and patient. We had a very specific type of property and house we were looking for, and he even discouraged certain properties because they weren't a perfect fit. He truly acted in our best interest when helping us find a new home. On the sale of our prior home, things went as smoothly as possible with the help of the team. Alex ensured that our home was "stage ready" and that our listing highlighted special features and accurately reflected our desired sale price. He also helped us navigate multiple offers (what a blessing!). While buying and selling is always a bit stressful, the team at 804Mortgage made it as painless as possible and checked in with us along the way. I'd highly recommend them to anyone looking for an "all-in-one" option. We're all settled in our forever home and grateful to them for an easy transition.

5★ Google Rating

$6K+ Avg. Buyer Savings

1.5% Listing Fee

Local Richmond-Based

Nobody Else in Richmond Does This

We built something that doesn’t exist anywhere else.

Commission Back

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.

1.5%

To List Your Home

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.

Local Team

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.

Enter Your Home Price

I want to...

Buy (Bundle & Save)

Sell for Less

Buy & Sell

Standard Buyer-Agent Commission

$12,000

Your Savings With 804*

$6,000

Your credit is applied to closing costs or rate buydown at closing, subject to standard terms and provisions.

Get Pre-Approved and Start Saving →

Serving Richmond & Surrounding Areas

From Short Pump to Church Hill — we know every neighborhood.

Short Pump Midlothian Glen Allen Chesterfield Mechanicsville Ashland The Fan Church Hill Scott's Addition Carytown Bon Air Northside Henrico Goochland West End Richmond

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.

Or call us directly: (804) 461-3343

       
 
 
 5.0 
   Top Rated Service 2026 
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

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.

Sarah Marshall

3 days ago

Will Schroeder has been our mortgage broker on two separate occasions and has done a terrific job on both. He went above and beyond his responsibility in helping us through the process as well as locating the best deal possible. He is a pleasure to work with which makes the process less of a chore. I definitely recommend Will to anyone who is looking for a thoughtful and careful broker who looks out for his clients best interests. Alex Innes did a fantastic job of Setting up both our home and apartment . He always answered emails promptly and addressed all concerns. He was a pleasure to work with and given we were locating to another country it was particulary helpful to have someone on hand who we could trust implicitly.

Jason Strohl

4 days ago

Will was wonderful to work with. Not only did he complete all the tedious paperwork quickly, he carefully looked over everything and even gave me options to lower closing costs so I could keep more cash on hand. Not only that, he is an extremely kind and warm individual! We are lucky to have folks like Will in Richmond - he's a fantastic example of what makes this city so great!

Rob Denison

11 days ago

William Schroeder at 804Mortgage is absolutely exceptional. Deeply knowledgable across mortgage products, real estate transactions, and financial consulting, Will answers questions with a genuine mix of information, respect, and humor. When I am trying to weigh the pros/cons, he is the first person I call, and we have used 804Mortgage on multiple occasions.

Amanda Lanyon

22 days ago

Alex and Will were very helpful in the purchase of my very first home. They were very patient and guided me in the right direction from the beginning. Through the process they were very responsive. We are very happy with the services! Definitely would recommend.

Michele Leonard

36 days ago

Will is one of a kind. He actually take time for you and understand what you are looking for in a home. He does his research and send you what you want to see. He has a charming personality and funny. So if you need a Relator he is the guy also Alex a perfect team!!!

Blaine Helmich

39 days ago

Awesome experience with great people and a much better business model for customers than traditional real estate agencies.

Aubrey Hannum

41 days ago

I cannot speak more highly of Will Schroeder! Will was incredibly thorough, communicative, helpful, and so amazing to work with. He made us feel so supported and prioritized during the entire process! His kindness, care for detail, and work ethic helped us find our dream home and we are forever grateful! Highly recommend him for anyone!

Nicole Hawkins

Will and Alex made the process of looking for and purchasing our first home so much smoother than it would have been otherwise! From flexibility for scheduling to endless patience with our questions, we could not have had a better team. They have so much knowledge about the process all the way through, on both the purchasing and mortgage sides. They were reliable, transparent, and acted with integrity throughout each phase and we felt well represented in the bidding process. They worked hard to get us the best possible rate, which was lower than what we would have gotten elsewhere. Highly recommend!

Marvin Mundy

42 days ago

Choosing 804 Mortgage Inc was the best decision I made in my homebuying journey. Mr. William Schroeder, the founder, and I have become very good friends throughout this process. That tells you everything about how they operate - personal, honest, and they truly care. From day one, the team treated me like more than a client. They explained every step in plain English, fought for the best rate, and got me into my dream home with zero stress. I’m proud to call William a friend and grateful to 804 Mortgage for making homeownership real for me. If you’re buying in RVA, start here. I recommend them 100% to anyone looking to buy a home. Marvin and Michele Thankyou, Mr. William Schroeder

Rachel Martin

82 days ago

It was a joy working with Alex and Will. Alex was responsive, encouraging, and patient. We had a very specific type of property and house we were looking for, and he even discouraged certain properties because they weren't a perfect fit. He truly acted in our best interest when helping us find a new home. On the sale of our prior home, things went as smoothly as possible with the help of the team. Alex ensured that our home was "stage ready" and that our listing highlighted special features and accurately reflected our desired sale price. He also helped us navigate multiple offers (what a blessing!). While buying and selling is always a bit stressful, the team at 804Mortgage made it as painless as possible and checked in with us along the way. I'd highly recommend them to anyone looking for an "all-in-one" option. We're all settled in our forever home and grateful to them for an easy transition.