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804 Public Servant Program — Law Enforcement

You protect this city. We protect your bottom line at closing.

Overtime, shift differentials, off-duty work — most lenders don't know how to handle it. We do. And we credit you at closing.

We present officer income correctly✓
One contact, start to close✓
VA loan eligible + closing credit✓
Closing credit example*~$6,000

*On a $400K home, 3% commission, 50% credited back. Scales with home price. Not a guarantee.

Richmond-Based
Mortgage + Agent in One
Officer Income Specialists
Chesterfield · Henrico · Richmond · All Area Departments
#1
team
Agent & Lender

Your mortgage and home search in one place. No miscommunication between two strangers.

~$6K
closing credit
On a $400K Home

Scales up with your purchase price. Applied to closing costs or rate.

100%
income counted
Full Picture

Overtime, shift pay, off-duty employment — documented correctly so you qualify for what you actually earn.

How It Works

We've done this before. We know how officer income works.

01

One conversation, on your schedule

Tell us your goals and income structure. We work around your shift — no 9-to-5 required.

02

We document your income the right way

Overtime, shift differentials, consistent off-duty employment — we present your full income picture to lenders the way it should be presented.

03

Close around your schedule, with a credit

We coordinate closings around your rotation. You leave the table with a credit from our buyer's agent commission on your closing disclosure.

Want to know your number?

One call. No paperwork. No commitment.

Schedule a Free Call
Bundle & Save

Every other buyer pays full price. You don't have to.

When your lender and agent are the same team, the efficiency comes back to you as a credit at closing.

  • One team handles your mortgage and home search — zero handoffs
  • We know how to document overtime, shift pay, and off-duty income
  • VA loan eligible — combine no-down-payment with your closing credit
  • Credit scales with home price — bigger home, bigger credit
See Your Closing Credit ↓

Bundle & Save Calculator

Estimate your closing credit

Est. buyer's agent commission (3%)$12,000
Closing credit to you (50%)$6,000
Your estimated closing credit$6,000
Schedule a Free Call

Illustration only. Based on 3% buyer's agent commission, 50% credited back. Actual credit varies by home price and loan program. Not a guarantee or loan commitment.

Who Qualifies

If you carry a badge in this region, you're in.

Active sworn and civilian personnel across the Richmond metro.

🚔

Police Officers

Active officers with Richmond PD, Chesterfield, Henrico, Hanover, and surrounding departments.

⭐

Sheriff's Deputies

Deputies with Richmond City, Chesterfield, Henrico, Hanover, and surrounding county offices.

🏛️

State & Campus Police

Virginia State Police, VCU Police, University of Richmond Police, and other campus enforcement.

🔒

Correctional Officers

Officers at state and regional correctional facilities serving the Richmond area.

Google Reviews

What our clients say

FAQ

Questions officers ask us

Don't see yours? Call or text us directly.

Talk to Us
It helps — if documented correctly. We know exactly how to present overtime, shift differentials, and consistent off-duty income to lenders. Two years of documented history is typically required.
Yes. Veterans in law enforcement can combine VA financing — no down payment, no mortgage insurance — with our Bundle & Save closing credit.
No. Buy anywhere in the Richmond metro. Where you're employed is what qualifies you.
Yes. It appears on your closing disclosure. It scales with your home price. Amount varies by transaction.
One call. No paperwork, no commitment. We'll tell you what you qualify for and what your credit could look like.
804 Public Servant Program

Find out what you've been leaving on the table.

One conversation. No paperwork. A straight answer on your credit and your buying power.

804Mortgage, LLC (NMLS #1904162) is a licensed mortgage broker in the Commonwealth of Virginia. Real estate services provided by 804 Home Sales Team, licensed under Swell Real Estate Co. Closing credit figures are illustrations only — based on 3% buyer's agent commission, 50% credited back. Actual credit varies by home price, commission rate, and loan program. Not a guarantee or loan commitment. Equal Housing Lender • Equal Housing Opportunity.