Founder & CEO · Mortgage Broker · REALTOR®

William Schroeder

Founder & CEO · REALTOR® · Mortgage Broker

Will founded 804Mortgage in 2019 after 20 years as a mortgage underwriter — the person on the lender side who approves loans. That background gives him insight most loan officers do not have. He built the company because he believed the mortgage process could be faster, clearer and better aligned with what clients actually need. Will is a Marine veteran and lives in Church Hill with his wife and two kids.

Book time with Will Get pre-approved

Working with me

After 20 years working behind the scenes, I took the leap and founded 804Mortgage in 2019 because I wanted to help more people buy a home. My underwriting background helps me every day decide the best way to structure a home purchase.

Recently, I got tired of how expensive home buying is, so we introduced the Bundle & Save program — to save you time, reduce stress, and save money. That is the 804Way. I would be honored to help you find your new home.

Credentials

RoleFounder & CEO

LicensesMortgage and real estate, Virginia

Individual NMLS482573

Company NMLS1904162

Background20 years in underwriting

BrokerageSwell Real Estate Co.

ServesRichmond metro

What to expect working with Will

Four things worth knowing.

20 years of underwriting behind every loan

Will spent two decades on the lender side before founding 804Mortgage. He knows how approval decisions are made and how to structure a loan to get there.

Deep Richmond market knowledge

Will lives in Church Hill and has closed loans across every corner of the metro — Short Pump, Northside, the West End, Chesterfield and Henrico.

He actually picks up the phone

This is a personal standard, not a slogan, and his clients say it is the thing that separates him from a call centre.

Plain English, no jargon

First-time buyers and experienced investors get the same clear, straight answers with no runaround.

What clients say

      
 5.0
 5.0
 Top Rated Service
   Verified by Trustindex   Top Rated Service
   5.0 Excellent rating Last 12 months 
  New reviews collected regularly Recent review activity detected 
  Leading Service Google Maps rating and review data 
  Responds to customer reviews 71% response rate within 48 hours 
  Verified by Trustindex Based on real customer reviews Learn more 
 
 
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Kaleb Mohr 
 6 days ago
 
 
 Trustindex verifies that the original source of the review is Google. William and Alex were incredible and patient with us throughout the entire home-buying process. As first-time buyers, we learned so much working with them. Alex is extremely knowledgeable and thorough on every property we toured, while Will made the entire mortgage process seamless and helped us get approved for our first home.
I would highly recommend going through these guys instead of a traditional bank—they will get you straight and take care of you. It was obvious throughout the entire process that William and Alex genuinely care about their clients more than just making a sale.
  
 
     Posted on Google  
   
   Ruth Gordon 
 8 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I was very impressed with Will Schroder who represented the buyers of my home.  He was very professional but also friendly and  very professional.  Although I only know Will as the buyers representative I would feel comfortable recommending him and his company.
  
 
     Posted on Google  
   
   Dave Eshbach 
 12 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Will and Alex. Some of the best guys around. They helped us buy the house of our dreams... 8 acres.
  
 
     Posted on Google  
   
   Dustin Yancey 
 20 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Desiree Brown 
 30 days ago
 
 
 Trustindex verifies that the original source of the review is Google. The best !!  Awesome guy loved working with him
  
 
     Posted on Google  
   
   Sarah Marshall 
 40 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 
 41 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 
 48 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 
 59 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 
 73 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!!!

Common questions

How long has Will been in the mortgage industry?

Over 20 years. Will started as a mortgage underwriter before becoming a loan officer and founding 804Mortgage in 2019. That underwriting background gives him insight most loan officers do not have.

Does Will specialize in VA loans?

Yes. As a Marine veteran, Will has a personal connection to the VA loan program and has helped many Richmond-area veterans through it. He understands VA appraisals, funding fees, entitlement and the IRRRL streamline refinance.

What neighborhoods does Will know well?

All of Richmond. He lives in Church Hill and has closed loans in Short Pump, Northside, the West End, Chesterfield, Henrico and beyond.

How does Bundle & Save work?

When you buy through the 804Mortgage Home Sales Team, half the buyer-agent commission comes back to you at closing. On a $400,000 home at a 3% buyer-agent commission that is about $6,000, applied to your closing costs. You are free to use any lender — financing with us is optional and does not change the credit. See how Bundle & Save works.

Ready to work with Will?

Start with a quick conversation. Will will tell you exactly what you qualify for and which loan makes the most sense.

Get pre-approved Book a free call

Or call (804) 593-0344

Kaleb Mohr

6 days ago

William and Alex were incredible and patient with us throughout the entire home-buying process. As first-time buyers, we learned so much working with them. Alex is extremely knowledgeable and thorough on every property we toured, while Will made the entire mortgage process seamless and helped us get approved for our first home. I would highly recommend going through these guys instead of a traditional bank—they will get you straight and take care of you. It was obvious throughout the entire process that William and Alex genuinely care about their clients more than just making a sale.

Ruth Gordon

8 days ago

I was very impressed with Will Schroder who represented the buyers of my home. He was very professional but also friendly and very professional. Although I only know Will as the buyers representative I would feel comfortable recommending him and his company.

Dave Eshbach

12 days ago

Highly recommend Will and Alex. Some of the best guys around. They helped us buy the house of our dreams... 8 acres.

Desiree Brown

30 days ago

The best !! Awesome guy loved working with him

Sarah Marshall

40 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

41 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

48 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

59 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

73 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

76 days ago

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