Buy Smarter. Spend Less.

At 804Mortgage, we combine real estate and mortgage services to simplify your home purchase—and save you thousands.

Why Buy with 804Mortgage?

Most buyers work with a mortgage lender and real estate agent separately. That means double the teams, double the fees - and double the hassle.

We think there's a better way.

At 804Mortgage, we bring everything under one roof. One team working toward your goals, with transparent pricing and clear advice. It’s a smarter, smoother way to buy a home.

What You Get When You Bundle & Buy with Us:

Lower costs

Save thousands by bundling mortgage + agent services

Streamlined process

One team, one timeline, no miscommunication

Faster closings

We’re aligned from day one—so we move fast

Local expertise

Real people who know Richmond and care about your outcome

Your 804Mortgage Home Buying Process

1. Get pre-approved fast

2. Meet your local agent

3. Explore homes & get advice

4. Make an offer & close with confidence

804 mortgage broker richmond

Loan Options We Offer

Fixed and adjustable rates

Conventional, FHA, VA & USDA

Jumbo & Super Jumbo

Terms from 5 to 30 years

Pre-Approval Letter
Pre-Approval Letter