Richmond VA Mortgage Lender

A Local Lender Who Actually Picks Up the Phone.

804Mortgage is Richmond’s in-house mortgage team. Competitive rates, all loan types, and a real estate team built in – so you save on both sides of the transaction.

✓ All Major Loan Types

✓ Richmond-Based Team

✓ Fast Pre-Approvals

✓ NMLS #1904162

📞

We Don't Post Rates — We Beat Them.

Mortgage rates change daily, and a number on a website doesn't tell you what you'll actually pay. Call us or get pre-approved and we'll show you exactly what you qualify for - including how bundling real estate with your mortgage can save you thousands more than the rate alone. Call (804) 461-3343 or start your application →

Every Loan Type. One Local Team.

Whether you’re buying your first home, moving up, or refinancing – we have the right loan for your situation.

🏠

Conventional 30-Year Fixed

The most popular loan for a reason. Predictable payments, long-term stability, and the flexibility to refinance later if rates drop.

Conventional 15-Year Fixed

Pay your home off faster and save significantly in total interest. Great for buyers who want to build equity quickly.

Build Equity Fast

🏛️

FHA Loans

Lower down payment requirements and flexible credit guidelines. One of the best options for first-time homebuyers in Richmond.

First-Time Buyers

🎖

VA Loans

Earned by those who served. Zero down payment, no PMI, and competitive rates for eligible veterans and active-duty military.

Veterans & Military

💎

Jumbo Loans

Financing above conventional loan limits for higher-priced Richmond properties. Competitive terms with a local team who knows the market.

Higher-Priced Homes

🔄

Refinancing

Lower your rate, shorten your term, pull cash out for improvements, or consolidate debt. We'll run the numbers and tell you if it makes sense.

Rate & Cash Out

Why Richmond Buyers Choose 804Mortgage

We're not a call center. We're a local team that knows Richmond, knows the market, and knows how to get your deal done.

We're Local - Actually Local

Based in Richmond. Your loan officer knows Chesterfield from Henrico, Short Pump from Church Hill. That local knowledge speeds up the process and helps you compete in a fast-moving market.

Fast Pre-Approvals

In today's Richmond market, speed matters. We move quickly on pre-approvals so your offer is taken seriously from the first showing. No waiting days for a response.

Real People, Real Answers

When you call, someone picks up. When you have a question at 7pm before your offer deadline, you get an answer. That's not the experience you get from a big national lender.

Built-In Real Estate Savings

No other Richmond lender has an in-house real estate team. When you bundle, you get half the buyer-agent commission back - typically $6,000 on a $400k home. That's money back in your pocket at closing.

How Getting a Mortgage With 804 Works

Simple, transparent, and faster than you'd expect from a local lender.

Apply or Call

Start your application online or call us directly. We'll ask the right questions and give you a straight answer about what you qualify for.

Get Pre-Approved

We issue your pre-approval letter fast. You'll know your real budget and be ready to make competitive offers.

Find Your Home

Shop with confidence. Our in-house real estate team can work alongside your mortgage - saving you time and money in one coordinated process.

Close With Confidence

We handle the loan side from application to closing. Clear communication, no surprises, and a local team with you every step.

Using 804Mortgage for Your Loan?
Add Real Estate and Save $6,000 More.

Our in-house real estate team gives you half the buyer-agent commission back at closing — apply it to closing costs or buy down your rate. No other Richmond lender offers this.

See How Bundle & Save Works →

What Richmond Borrowers Say

★★★★★ Rated 5 Stars on Google

      
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Sarah Marshall 
 2 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 
 3 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 
 10 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 
 21 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 
 35 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 
 38 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 
 40 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 
 40 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 
 41 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
  
 
     Posted on Google  
   
   Rachel Martin 
 81 days ago
 
 
 Trustindex verifies that the original source of the review is Google. It was a joy working with Alex and Will. Alex was responsive, encouraging, and patient. We had a very specific type of property and house we were looking for, and he even discouraged certain properties because they weren't a perfect fit. He truly acted in our best interest when helping us find a new home. On the sale of our prior home, things went as smoothly as possible with the help of the team. Alex ensured that our home was "stage ready" and that our listing highlighted special features and accurately reflected our desired sale price. He also helped us navigate multiple offers (what a blessing!). While buying and selling is always a bit stressful, the team at 804Mortgage made it as painless as possible and checked in with us along the way. I'd highly recommend them to anyone looking for an "all-in-one" option. We're all settled in our forever home and grateful to them for an easy transition.

Mortgage Questions, Straight Answers

No jargon. No runaround. Just clear answers from a local Richmond team.

What loan types does 804Mortgage offer? +

We offer all major loan types - Conventional 30-year fixed, Conven15-year fixed, FHA, VA, jumbo, and full refinancing options including rate-and-term, cash-out, home improvement, and debt consolidation. If there's a loan product that fits your situation, we have it.

How do I get pre-approved for a mortgage in Richmond? +

Start your application online at 804mortgage.com or call (804) 283-1140. A local loan officer will walk you through the process. We move fast - most pre-approvals are completed quickly so you can make competitive offers.

Why don't you publish your rates online? +

Mortgage rates change daily - sometimes multiple times a day. A rate posted this morning may not be accurate by afternoon. Rather than show you a number that might not reflect what you'll actually qualify for, we'd rather have a real conversation and give you an accurate, personalized quote. Call us or start your application and you'll have a real number in hand fast.

What's the benefit of using a local Richmond lender vs. a big national bank? +

Local lenders pick up the phone, know the Richmond market, and can move faster on pre-approvals - which matters when you're competing for a home. With 804Mortgage you also get access to our in-house real estate team, which means you can save on both your loan and your real estate transaction in one coordinated process.

Can I save money by using 804Mortgage for both mortgage and real estate? +

Yes - significantly. When you bundle mortgage and real estate with 804Mortgage, you get half the buyer-agent commission back at closing as a credit. On a $400,000 home in Richmond, that's typically $6,000 credit applied to closing costs or used to buy down your interest rate.

Ready to Get Pre-Approved?

Let’s find the right loan for your situation and show you exactly how much home you can afford in Richmond – with a local team that’s with you every step.

Or call us directly: (804) 461-3343

Sarah Marshall

2 days ago

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.

Jason Strohl

3 days ago

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!

Rob Denison

10 days ago

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.

Amanda Lanyon

21 days ago

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.

Michele Leonard

35 days ago

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!!!

Blaine Helmich

38 days ago

Awesome experience with great people and a much better business model for customers than traditional real estate agencies.

Aubrey Hannum

40 days ago

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!

Nicole Hawkins

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!

Marvin Mundy

41 days ago

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

Rachel Martin

81 days ago

It was a joy working with Alex and Will. Alex was responsive, encouraging, and patient. We had a very specific type of property and house we were looking for, and he even discouraged certain properties because they weren't a perfect fit. He truly acted in our best interest when helping us find a new home. On the sale of our prior home, things went as smoothly as possible with the help of the team. Alex ensured that our home was "stage ready" and that our listing highlighted special features and accurately reflected our desired sale price. He also helped us navigate multiple offers (what a blessing!). While buying and selling is always a bit stressful, the team at 804Mortgage made it as painless as possible and checked in with us along the way. I'd highly recommend them to anyone looking for an "all-in-one" option. We're all settled in our forever home and grateful to them for an easy transition.