Richmond VA Home Buyers

Buy Your Home.
Keep Thousands More.

Get pre-approved fast, find the right home, and get money back at closing — all from one local Richmond team that handles the mortgage and the real estate.

$6,000

Avg. money back at closing

★ 5.0

Google rating

Richmond team, two services

The 804Mortgage Difference

Use Our Agent. Get Money Back at Closing.

Most buyers don’t know their lender and their agent can be the same team. When they are, we return 50% of the buyer-agent commission to you at closing — applied to closing costs or a rate buydown. No other Richmond lender does this.

Get Pre-Approved

Start your free mortgage application online in minutes.

Find Your Home

Our licensed REALTORS® show you homes and handle every negotiation.

Get Money Back

50% of the buyer-agent commission returns to you at closing.

All Loan Types

Every Loan Type. One Local Team.

Whether you’re a first-time buyer, a veteran, or moving up — we have the right loan for your situation.

Conventional

620+ credit. Down payment as low as 3%. Best rates for qualified buyers.

FHA

580+ credit. 3.5% down. Great for first-time buyers with limited savings.

VA Loans

0% down for eligible veterans & active duty. No PMI. We specialize in VA loans.

VETERAN OWNED

Jumbo / Other

Jumbo, USDA, VHDA, refinance & cash-out. Ask us what fits your situation.

How It Works

From Application to Keys — Here’s How It Works.

A clear, simple process with a local team communicating every step of the way.

Pre-Approval

Apply online in minutes. We review your situation and issue a pre-approval letter fast — often same day.

Home Search

Tour homes with our licensed REALTORS®. Full MLS access. We know Richmond’s neighborhoods.

Offer & Contract

We write a competitive offer, negotiate on your behalf, and manage every detail through contract.

Close & Save

Close with confidence. Your Bundle & Save credit shows up on the Closing Disclosure — real money back.

What Richmond Buyers Say

5 Stars. Every Time.

★★★★★ Rated 5.0 on Google

    
 
 
      Posted on Google  
   
   Desiree Brown 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google. The best !!  Awesome guy loved working with him
  
 
     Posted on Google  
   
   Sarah Marshall 
 13 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will Schroeder has been our mortgage broker on two separate occasions and has done a terrific job on both. He went above and beyond his responsibility in helping us through the process as well as locating the best deal possible. He is a pleasure to work with which makes the process less of a chore. I definitely recommend Will to anyone who is looking for a thoughtful and careful broker who looks out for his clients best interests. Alex Innes did a fantastic job of Setting up both our home and apartment . He always answered emails promptly and addressed all concerns. He was a pleasure to work with and given we were locating to another country it was particulary  helpful to have someone on hand who we could trust implicitly.
  
 
     Posted on Google  
   
   Jason Strohl 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will was wonderful to work with. Not only did he complete all the tedious paperwork quickly, he carefully looked over everything and even gave me options to lower closing costs so I could keep more cash on hand. Not only that, he is an extremely kind and warm individual! We are lucky to have folks like Will in Richmond - he's a fantastic example of what makes this city so great!
  
 
     Posted on Google  
   
   Rob Denison 
 21 days ago
 
 
 Trustindex verifies that the original source of the review is Google. William Schroeder at 804Mortgage is absolutely exceptional. Deeply knowledgable across mortgage products, real estate transactions, and financial consulting, Will answers questions with a genuine mix of information, respect, and humor. When I am trying to weigh the pros/cons, he is the first person I call, and we have used 804Mortgage on multiple occasions.
  
 
     Posted on Google  
   
   Amanda Lanyon 
 32 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Alex and Will were very helpful in the purchase of my very first home. They were very patient and guided me in the right direction from the beginning. Through the process they were very responsive. We are very happy with the services! Definitely would recommend.
  
 
     Posted on Google  
   
   Michele Leonard 
 46 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will is one of a kind. He actually take time for you and understand what you are looking for in a home. He does his research and send you what you want to see. He has a charming personality and funny. So if you need a Relator he is the guy also Alex a perfect team!!!
  
 
     Posted on Google  
   
   Blaine Helmich 
 49 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience with great people and a much better business model for customers than traditional real estate agencies.
  
 
     Posted on Google  
   
   Aubrey Hannum 
 51 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I cannot speak more highly of Will Schroeder! Will was incredibly thorough, communicative, helpful, and so amazing to work with. He made us feel so supported and prioritized during the entire process! His kindness, care for detail, and work ethic helped us find our dream home and we are forever grateful! Highly recommend him for anyone!
  
 
     Posted on Google  
   
   Nicole Hawkins 
 51 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Will and Alex made the process of looking for and purchasing our first home so much smoother than it would have been otherwise! From flexibility for scheduling to endless patience with our questions, we could not have had a better team. They have so much knowledge about the process all the way through, on both the purchasing and mortgage sides. They were reliable, transparent, and acted with integrity throughout each phase and we felt well represented in the bidding process. They worked hard to get us the best possible rate, which was lower than what we would have gotten elsewhere. Highly recommend!
  
 
     Posted on Google  
   
   Marvin Mundy 
 52 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Choosing 804 Mortgage Inc was the best decision I made in my homebuying journey. Mr. William Schroeder, the founder, and I have become very good friends throughout this process. That tells you everything about how they operate - personal, honest, and they truly care. From day one, the team treated me like more than a client. They explained every step in plain English, fought for the best rate, and got me into my dream home with zero stress. I’m proud to call William a friend and grateful to 804 Mortgage for making homeownership real for me. If you’re buying in RVA, start here. I recommend them 100% to anyone looking to buy a home. Marvin and Michele Thankyou, Mr. William Schroeder

Common Questions

Straight answers before you reach out.

How long does pre-approval take?+

For most buyers, we issue a pre-approval letter the same business day — sometimes within a few hours. We move fast because sellers expect it.

Yes. The credit comes from the buyer-agent commission earned by our in-house agents. You’re free to use any agent, but the credit only applies when you use 804 Home Sales Team.

How much money back will I actually get?+

On a $400,000 home with a 3% buyer-agent commission, you’d receive approximately $6,000 back at closing. The exact amount depends on the commission offered by the seller.

Can the credit be used for anything?+

It applies to allowable closing costs first. Any remaining amount can be used to buy down your interest rate. It cannot be received as cash.

What credit score do I need?+

FHA: 580+. Conventional: 620+. VA loans: no VA minimum, lenders typically look for 580–620. We’ll match you with the right program.

What if I already have an agent?+

No problem — we’ll handle the mortgage side. The Bundle & Save credit only applies when using our agents, but we work with buyers represented by any licensed REALTOR®.

Buy Your Home.Keep Thousands More.