You take care of everyone else. We take care of you at closing.
PRN, travel contracts, shift differentials — most lenders get it wrong. We get it right. And we credit you at closing.
*On a $400K home, 3% commission, 50% credited back. Scales with home price. Not a guarantee.
Your mortgage and home search in one place. One contact. No gaps between what your agent wants and what your lender needs.
Scales up with your purchase price. Applied to closing costs or rate.
Shift differentials, PRN, overtime — we document your full income picture so you qualify for what you actually earn.
Most lenders miss half your income. We don't.
One conversation, on your time
Tell us where you want to land. We'll walk through your income situation and show you exactly what you qualify for.
We document your income correctly
Base pay, shift differentials, PRN, overtime, travel contracts — we present your full picture to lenders. Most loan officers leave money on the table here.
Close around your schedule, with a credit
We work around 12-hour shifts. You close with a credit from our commission — on your closing disclosure, every time.
Every other buyer pays full price. You don't have to.
When your lender and agent are the same team, the efficiency comes back to you as a credit at closing.
- One person handles your mortgage and home search — no handoffs
- Shift differentials, PRN, and overtime documented correctly
- Travel contract experience — we've done it before
- Credit scales with home price — bigger home, bigger credit
Bundle & Save Calculator
Estimate your closing credit
Illustration only. Based on 3% buyer's agent commission, 50% credited back. Actual credit varies by home price and loan program. Not a guarantee or loan commitment.
If you care for patients in Richmond, you're in.
Active healthcare workers at Richmond-area health systems and practices.
Registered Nurses
RNs at VCU Health, HCA, Bon Secours, Sheltering Arms, and other Richmond-area health systems.
LPNs & CNAs
Licensed practical nurses and nursing assistants at hospitals, clinics, long-term care, and home health.
Allied Health Professionals
Radiologists, respiratory therapists, physical therapists, lab technicians, and other licensed clinical roles.
Hospital-Based EMS
Paramedics and EMTs employed by hospital systems or hospital-based emergency services in the Richmond area.
What our clients say
Find out what you've been leaving on the table.
One conversation. No paperwork. A straight answer on your credit and your buying power.
804Mortgage, LLC (NMLS #1904162) is a licensed mortgage broker in the Commonwealth of Virginia. Real estate services provided by 804 Home Sales Team, licensed under Swell Real Estate Co. Closing credit figures are illustrations only — based on 3% buyer's agent commission, 50% credited back. Actual credit varies by home price, commission rate, and loan program. Not a guarantee or loan commitment. Equal Housing Lender • Equal Housing Opportunity.