When you buy your Richmond home through 804Mortgage’s in-house REALTORS®, we return 50% of the buyer-agent commission to you at closing – applied as a credit to your closing costs or used to buy down your interest rate. On a $400,000 home, that’s up to $6,000 back in your pocket*.
No commitment required. Buyers do not receive cash back, all funds applied as Interested Party Credits. Subject to lender approval and applicable limits.
Three steps to thousands of dollars back at closing.
Start with your mortgage. We’ll run the numbers, lock your rate, and get your pre-approval letter ready. This is what gives you buying power in Richmond’s market.
Work with our licensed real estate agents to find and purchase your home. Because we’re already your lender, there’s zero back-and-forth between teams – one conversation covers everything.
When the seller pays the buyer-agent commission, we return half of it to you as a credit. It appears on your Closing Disclosure and is applied to closing costs or your rate.
Enter your home price and see your estimated credit instantly.
Built around your savings, not our revenue.
Most buyers juggle a lender and an agent who barely talk to each other. With 804, they’re the same team. Fewer calls, fewer dropped balls, and no finger-pointing when something needs to get done.
This isn’t a discount on our fees — it’s actual money returned to you from the commission the seller was already paying. It reduces what you owe at closing or lowers your monthly payment permanently.
Our REALTORS® are full-service agents. You get MLS access, offer negotiation, contract management, and representation at closing — everything a traditional agent provides, plus the credit.
We’re Richmond-based. We know the neighborhoods, the comps, and the local market. You’re not working with a call center — you’re working with people who live and work here.
Straight answers before you reach out.
Talk to a local Richmond agent today. No pressure, no commitment – just a straight answer on how much you could save.
Or call us directly: (804) 461-3343
