The Smarter Way to
Buy or Sell a Home
in Richmond.
We're the only team in Richmond where your mortgage lender and real estate agent are the same people. That means one process, one conversation — and thousands of dollars back in your pocket.
On a $400,000 Richmond Home
Here's What You Save With 804
What Brings You Here Today?
Whether you're buying, selling, or doing both — 804Mortgage has a smarter, more affordable way to do it.
I'm Selling a Home
Most agents charge 3% to list your home. We charge 1.5% — full service, no shortcuts. On a $400,000 sale, that's $6,000 more in your pocket at closing.
Learn How to Sell →I'm Buying & Selling
Bundle mortgage and real estate in one coordinated process. Save on both transactions — with one local team handling everything, start to finish.
See Bundle & Save →What Makes 804Mortgage Different
We're not a big bank. We're not a national call center. We're a Richmond team that built something you can't find anywhere else in town.
One Team for Everything
Your mortgage lender and real estate agent are on the same team from day one. No miscommunication, no delays — just a coordinated process that moves faster.
We Give Money Back
Half the buyer-agent commission comes back to you at closing. No other Richmond lender or agent does this. That's typically $6,000 on a $400k home.
Actually Local
We're based in Richmond, we know Richmond, and we pick up the phone when you call. That's a different experience than submitting an application to a 1-800 number.
Fast Pre-Approvals
In Richmond's competitive market, speed wins. We move fast on pre-approvals so your offer carries weight from the first day you start looking.
See Your Savings
Enter a home price and pick your situation to see how much you save with 804Mortgage.
Richmond Trusts 804Mortgage
★★★★★ Rated 5 Stars on Google
"Will is amazing! After being told 'No' from lenders for two years, Will found a 'YES' and made it happen. He is real, straight up, and really wants to help people. So rare these days."
"A true man of many hats who saved us thousands. Without even knowing us, he held our hand through the entire process — from securing the loan to arranging viewings to writing the offer."
"We ended up with a much lower rate and he got everything together so lightning fast we didn't even delay our closing by switching to him. His attention to detail set him apart."
Serving Richmond & Surrounding Areas
From Short Pump to Church Hill — we know every neighborhood.
Ready to Save Thousands on Your Next Move?
Let's talk through your situation — buying, selling, or both. No commitment, no pressure. Just a straight conversation with a local Richmond team.
Or call us directly: (804) 283-1140804Mortgage, LLC (NMLS #1904162) and 804Mortgage Home Sales Team (operating under Swell Real Estate Co.) are affiliated companies under common ownership. You are NOT required to use both services. Commission credits are funded solely from the real-estate commission paid by the seller and applied to allowable closing costs or rate buydowns, subject to lender approval. Credits cannot be received as cash. Actual savings vary. Licensed in the Commonwealth of Virginia. This is not a commitment to lend.