At 804Mortgage, we believe in full transparency and compliance with all applicable laws, including the Real Estate Settlement Procedures Act (RESPA), Truth in Advertising guidelines, and consumer protection regulations. Below are important disclosures related to our services,
partnerships, and promotional offers.

1. Affiliated Business Arrangement Disclosure

804Mortgage may share ownership or have business affiliations with certain real estate professionals or service providers. While these affiliations may provide convenience or savings, you are not required to use any affiliated company as a condition of receiving services. All affiliated relationships will be fully disclosed as required under RESPA.

2. 1% Listing Fee Disclosure

Our 1% listing fee applies to the seller’s side commission only. This offer does not include the buyer’s agent commission, which may still be requested by the buyer’s agent or negotiated separately. Total commission costs may vary based on individual agreements and local market conditions.

3. Purchase Rebate Disclosure

A rebate of up to 2% of the purchase price may be available to buyers who use our in-house buyer’s agent when purchasing a property. The actual rebate amount may vary depending on:

• The terms of your buyer representation agreement
• Final purchase price
• Applicable lender restrictions, legal limitations, or third-party approvals
  
  This rebate:
  
• Is subject to lender approval and must comply with all applicable federal, state, and
• local laws
• May be limited to application toward closing costs depending on your lender
• May not be available in all transactions, particularly where prohibited by law
• Cannot be conditioned on the use of any other settlement service provider
  
  Please consult your lender to understand how the rebate can be applied in your situation.

4. Sale Rebate Disclosure

804Mortgage and affiliated real estate professionals may offer services in connection with your home sale. You are not required to use any affiliated company as a condition for receiving services.

The 1% listing fee applies to the listing side of the transaction only and does not include any buyer agent commission, which may still be requested or required. All fees, services, and relationships will be fully disclosed as required under RESPA.

5. Advertising and Testimonials

All testimonials reflect the individual experiences of our clients. Individual results may vary. Promotions and offers are subject to change without notice and may include specific eligibility requirements.

6. Equal Housing Opportunity

804Mortgage is proud to be an Equal Housing Lender. We comply fully with the Fair Housing Act and do not engage in or tolerate discrimination in any aspect of the home sale, purchase, or lending process.

7. Licensing and Legal Notices

804Mortgage is a licensed mortgage company based in the Commonwealth of Virginia. We are registered with the Nationwide Multistate Licensing System (NMLS) under NMLS ID 1904162. All mortgage and real estate services are offered through properly licensed professionals in accordance with applicable federal and state laws and regulations.