804 Public Servant Program

You've spent your career serving Richmond. Let us serve you back.

Teachers, firefighters, police officers, nurses — you keep this city running. We built a home buying program that puts a real credit in your pocket at closing.

One team — mortgage and agent
Four professions covered
First-time and repeat buyers
Closing credit example*$6,000

*On a $400K home, 3% commission, 50% credited back. Scales with home price. Not a guarantee.

Richmond-Based
Mortgage + Agent in One
Four Professions Covered
1
team
Agent & Lender

Your mortgage and home search in one place. No gap between what your agent wants and what your lender needs.

~$6K
 
Closing Credit

On a $400K home. Scales up with your price. Applied to closing costs or rate at closing.

4
programs
Professions Covered

Teachers, firefighters, law enforcement, and healthcare — each with profession-specific expertise.

Choose Your Program

Built for the people
who keep Richmond running.

Each program is tailored to your profession. Pick yours below.

Not sure which program fits?

One call and we'll tell you exactly where you stand.

How It Works

One model. Every profession.
Real credits at closing.

01

Tell us what you do

Your profession, your goals, your timeline. One conversation. We'll show you what you qualify for and what your credit looks like.

02

We handle mortgage and agent together

Pre-approval and home search run in parallel. One team. No gap between what your agent wants and what your lender needs.

03

Close with a credit in your pocket

We credit a portion of our buyer's agent commission to you at closing — on your closing disclosure, every eligible transaction.

Who Qualifies

If you serve this community, you're in.

Active public servants across four professions. First-time or repeat buyer. Richmond metro area.

Google Reviews

What our clients say

FAQ

Questions we always hear

Don't see yours? Call or text us directly.

No. Buy anywhere in the Richmond metro — Midlothian, Short Pump, Glen Allen, Mechanicsville, wherever makes sense. Where you're employed is what qualifies you.
Yes. It shows up on your closing disclosure. It scales with your home price — bigger home, bigger credit. Amount varies by transaction.
No. First home or fifth — the program works the same. Active public servants in the Richmond area are eligible.
Conventional, FHA, VA, and VHDA loans are all available. We'll find the right fit in your first conversation.
One call or text. No paperwork, no commitment. We'll tell you what you qualify for and what your credit could look like.
804 Public Servant Program

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.