804Mortgage is Richmond’s in-house mortgage team. Competitive rates, all loan types, and a real estate team built in – so you save on both sides of the transaction.
Mortgage rates change daily, and a number on a website doesn't tell you what you'll actually pay. Call us or get pre-approved and we'll show you exactly what you qualify for - including how bundling real estate with your mortgage can save you thousands more than the rate alone. Call (804) 461-3343 or start your application →
Whether you’re buying your first home, moving up, or refinancing – we have the right loan for your situation.
We're not a call center. We're a local team that knows Richmond, knows the market, and knows how to get your deal done.
Based in Richmond. Your loan officer knows Chesterfield from Henrico, Short Pump from Church Hill. That local knowledge speeds up the process and helps you compete in a fast-moving market.
In today's Richmond market, speed matters. We move quickly on pre-approvals so your offer is taken seriously from the first showing. No waiting days for a response.
When you call, someone picks up. When you have a question at 7pm before your offer deadline, you get an answer. That's not the experience you get from a big national lender.
No other Richmond lender has an in-house real estate team. When you bundle, you get half the buyer-agent commission back - typically $6,000 on a $400k home. That's money back in your pocket at closing.
Simple, transparent, and faster than you'd expect from a local lender.
Start your application online or call us directly. We'll ask the right questions and give you a straight answer about what you qualify for.
We issue your pre-approval letter fast. You'll know your real budget and be ready to make competitive offers.
Shop with confidence. Our in-house real estate team can work alongside your mortgage - saving you time and money in one coordinated process.
We handle the loan side from application to closing. Clear communication, no surprises, and a local team with you every step.
Our in-house real estate team gives you half the buyer-agent commission back at closing — apply it to closing costs or buy down your rate. No other Richmond lender offers this.
See How Bundle & Save Works →★★★★★ Rated 5 Stars on Google
No jargon. No runaround. Just clear answers from a local Richmond team.
Let’s find the right loan for your situation and show you exactly how much home you can afford in Richmond – with a local team that’s with you every step.
