Whether You're Buying, Selling, or Both — We're Built to Save You Money.
Most real estate teams just help you transact. 804Mortgage is structured to put money back in your pocket at every step — from search to close.
Buy a Home in Richmond.
Keep Thousands More.
Richmond homebuyers who use 804Mortgage for both their loan and their agent walk away with half the buyer-agent commission back at closing. Same great service. Real money returned to you.*
What Does "Half the Commission" Actually Mean?
In Richmond, the average home sells for around $400,000. When you buy, the seller typically pays a buyer-agent commission — usually around 3%, or $12,000. We give you half of that back.
That’s $6,000 returned to you at closing — yours to use however you need it most.
*Based on a $400,000 home price and 3% negotiated buyer-agent commission. Actual credit varies by home price and negotiated commission rate.
Selling Your Richmond Home?
Pay Half the Typical Fee.
Most listing agents charge 3% to sell your home. We charge 1.5% — full service, no shortcuts. On a $400,000 sale, you keep $6,000 more than you would with a traditional agent.
What’s included at 1.5%:
- Professional photography
- MLS listing — Zillow, Realtor.com, and more
- Local pricing strategy and market expertise
- Contract negotiation and transaction management
- A Richmond-based team that answers the phone
Savings reflect listing-side commission only. Buyer-agent commission negotiated separately.
Why One Team Changes Everything
When mortgage and real estate are under one roof, everyone is rowing the same direction — toward your savings and a smooth close.
More Money Back
Half the commission returned to you. Lower fees on the listing side. Real savings, not marketing fluff.
One Team, One Goal
Your loan officer and agent are on the same team. No finger-pointing, no miscommunication, no delays.
Faster Closings
When mortgage and real estate are in sync from day one, your offer is stronger and deals close faster.
Richmond Locals
We live and work here. We know Short Pump from Northside, Church Hill from Chesterfield. Local knowledge gets you a better deal.
How the Bundle & Save Program Works
Four steps from first conversation to closing day — with real money back in your pocket.
Free Strategy Call
Tell us where you are in the process. We'll map out your real numbers before you're committed to anything.
Get Pre-Approved
Your in-house lender gets you pre-approved fast. You'll know your real budget — and sellers will take your offer seriously.
Work With Your Agent
Your 804Mortgage agent is already in sync with your lender. Search, tour, offer, and negotiate — one coordinated team.
Close & Collect
Half the buyer-agent commission comes back to you at closing. Applied to closing costs or your rate — your choice.
Richmond Homebuyers Trust 804Mortgage
Common Questions About Bundle & Save
Ready to Keep More of Your Money?
Whether you’re buying, selling, or both — let’s run your numbers. No commitment, no pressure. Just a straight answer from a local Richmond team.
804Mortgage, LLC (NMLS #1904162) and 804Mortgage Home Sales Team (operating under Swell Real Estate Co.) are affiliated companies under common ownership. You are NOT required to use both services. Commission credits are funded solely from the real-estate commission paid by the seller and applied to allowable closing costs or rate buydowns, subject to lender approval. Credits cannot be received as cash. Actual savings vary based on home price, negotiated commission, and loan terms. This program may change or terminate without notice and is not a commitment to lend. Licensed to do business in the Commonwealth of Virginia.