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Buying in Richmond

Buy a home in Richmond and keep half the commission.

Tour with our REALTORS® and 50% of the buyer-agent commission comes back to you at closing. On a $400,000 home that runs about $6,000.*

Get Pre-Approved Free Talk to an Agent
Licensed Virginia REALTORS® Credit applied at closing 5 stars on Google
On a $400,000 Richmond home

What comes back to you

Buyer-agent commission at 3%$12,000
Returned to you at closing*$6,000
Applied toClosing costs
Your lenderYour choice
Pre-approvalFree, usually same day
See how Bundle & Save works

What buying with our agents looks like

The representation is standard. What is not standard is where the commission ends up and who your agent talks to.

Bundle & Save

Half the commission back

The buyer-agent commission is paid by the seller out of the sale. We return half of ours to you at closing, applied to your allowable closing costs.*

Your agent knows where you stand

If you finance with us, your agent can see where your approval stands before writing an offer. No relaying messages between two companies that have never met.

Standard buyer representation

Full MLS access, showings on your schedule, comparable sales before you write, inspection and appraisal coordination, and negotiation on your behalf.

Get the loan sorted before you tour

Richmond sellers routinely see several offers. A pre-approval from a local lender is what gets yours read.

1

Get pre-approved

Free, a few minutes online, and it tells you what you can actually borrow rather than what a website estimates.

2

Tour with our agents

Your agent already knows your budget and your timeline, so showings start with the right houses.

3

Write the offer

We check the comps together, decide on terms, and your lender confirms the numbers the same day.

4

Close and take the credit

Inspection, appraisal, and title run in parallel. Your Bundle & Save credit is applied at the table.*

Financing your purchase

You can use any lender you like. If you use ours, these are the options.

Loan types

Conventional, FHA, VA, and jumbo, in fixed terms from 10 to 30 years. Conventional is what most Richmond buyers use. If you served, start with the VA loan.

See loan options

Pre-approval

Free, no commitment, and usually back the same business day. You will know your real budget and have a letter ready before the first showing.

Start pre-approval

Selling a home to buy this one?

Triple Play puts the 1.5% listing fee on the sale you are making and the Bundle & Save credit on the purchase, with both closings coordinated by one team.

See Triple Play

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

Do I have to use 804Mortgage for my mortgage to get the credit?
No. The Bundle & Save credit depends on buying through our in-house agents, not on where you get your loan. You are never required to use both services. Many buyers do use both because it keeps one team accountable for the whole transaction.
How is the credit actually paid to me?
It is applied at closing toward your allowable closing costs and shows up on the settlement statement. Interested Party Credit limits vary by loan type and down payment, and we confirm the applicable ceiling before your offer is written. The credit cannot be taken as cash.
How much would the credit be on my price range?
It is half the buyer-agent commission written into the contract. At a 3% commission that works out to 1.5% of the purchase price, so roughly $4,500 on a $300,000 home and $6,000 on a $400,000 home. We confirm the exact figure before you write.
Can I work with your agents if I already have a lender?
Yes. Bring your own lender, keep the credit. We work with buyers financed elsewhere regularly.
Is pre-approval free, and will it hurt my credit?
Free. It does require a hard credit inquiry, which typically moves a score by fewer than five points. FICO treats multiple mortgage inquiries inside a 45-day window as a single inquiry, so shopping lenders does not compound the effect.
What do I need to apply?
Usually two years of W-2s or tax returns, two recent pay stubs, two months of bank statements, and a government-issued ID. If you are self-employed, add two years of business returns and a year-to-date profit and loss statement.

Ready to start looking?

Get pre-approved first so you know your number, then tour with an agent who already has it.

Get Pre-Approved Free Talk to an Agent
Or call us directly: (804) 593-0344