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804Mortgage Home Sales Team

Richmond real estate agents who work with your lender daily.

We list Richmond homes for a 1.5% listing fee and give buyers half the buyer-agent commission back at closing. Same brokerage, same building, same team as your loan.

Talk to an Agent Get Pre-Approved Free
Licensed Virginia REALTORS® 5 stars on Google Swell Real Estate Co.
On a $400,000 Richmond home

What our side costs you

Typical Richmond listing fee3%
Our listing fee1.5%
Kept on the sale$6,000
Bundle & Save credit if you buy*$6,000
Doing bothTriple Play
See how Triple Play works

Buying, selling, or both

Two programs. If you're doing both at once, they stack.

Selling

List for a 1.5% fee

Listing fee
1.5%

Most Richmond listing agents charge around 3%. You get the same MLS exposure and the same negotiation for half the listing-side fee.

  • MLS, Zillow, and Realtor.com syndication
  • Offer review, negotiation, contract management
  • Introductions to local photographers and stagers
  • Full representation through closing
How selling works
Buying · Bundle & Save

Half the commission back

Credit on a $400,000 purchase
$6,000

Buy through our REALTORS® and 50% of the buyer-agent commission comes back to you at closing, applied to your closing costs.*

  • 50% of the buyer-agent commission returned
  • Full MLS access and buyer representation
  • You choose your lender, ours or anyone else's
  • Credit applied at the closing table
How buying with us works Bundle & Save program details

Why our agents are different

804Mortgage is a mortgage and real estate team. Both halves are ours, and that changes how a transaction runs.

One team, one thread

Your agent and your loan officer sit in the same company. When underwriting asks a question two days before closing, nobody has to chase down a stranger to answer it.

You keep more at closing

A 1.5% listing fee on the sale side and half the buyer-agent commission back on the purchase side. On a $400,000 home each is worth about $6,000.

Richmond only

We live here. We know which neighborhoods move in a weekend, what appraisers are supporting, and where the inspection surprises tend to be.

Selling one home and buying the next?

Triple Play combines the 1.5% listing fee with the Bundle & Save credit and coordinates both closings so you're not moving twice or bridging a loan.

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 loan to use your agents?
No. The 1.5% listing fee and our buyer representation are available whichever lender you use, and you are never required to use both services. The Bundle & Save credit does require buying through our in-house agents, because it comes out of the buyer-agent commission we earn on that purchase.
Who is the brokerage behind the 804Mortgage Home Sales Team?
Swell Real Estate Co., a licensed Virginia brokerage. 804Mortgage, LLC and the 804Mortgage Home Sales Team are affiliated companies under common ownership. The full disclosure is on our disclosures page.
Are your agents full-service, or is this a discount model?
Full-service. Our agents are licensed Virginia REALTORS® who handle MLS listing, showings, offer negotiation, contract management, and closing coordination. The fee is lower because the mortgage side of the business carries part of the overhead.
What areas do you cover?
Richmond and the surrounding metro, including Henrico, Chesterfield, and Hanover counties. Virginia properties statewide are listable. For properties in DC or Maryland we coordinate with a local agent.
Can you help me sell and buy at the same time?
That is the case we handle most often. We list your current home, get you pre-approved for the next one, and coordinate the two closing dates so the timing works. That combination is what Triple Play covers.

Want to talk to an agent first?

No obligation and no pressure. Tell us what you're trying to do and we'll tell you what it would look like.

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