Richmond mortgage broker

A local lender who actually picks up the phone.

Start here. Pick the loan that fits your situation, or get pre-approved and we will point you to the right one. Every loan type, one Richmond team, and real estate agents on the same side of the table.

Get pre-approved Browse loans

Loan types

Conventional, FHA, VA, jumbo and refinance.

Team

The lender and the agent, together.

50%

Commission back

When you buy through our in-house agents.

Choose a path

Loans we do

Five products. One conversation to work out which one costs you least.

ConventionalLowest cost for strong credit FHALower credit and down payment VAZero down for those who served JumboAbove the conforming limit RefinanceLower the rate or take out equity

Why Richmond buyers start here

Local, actually local

We live and work here. Real answers about neighborhoods, appraisals and timelines, from a team you can meet on West Broad Street.

Pre-approvals that hold up

Underwriting done right the first time, so your number survives a competitive offer rather than falling apart in escrow.

Real people, real answers

We translate the jargon in the same sentence it appears, so you always know what you are signing.

Agents on the same team

Buy through our in-house agents and half the buyer-agent commission comes back to you at closing.

How getting a mortgage with 804 works

Apply or call

A few minutes online, or one phone call.

Get pre-approved

A real number you can put behind an offer.

Find your home

Shop with our agents, or bring your own.

Close with confidence

Sign, fund, and get the keys.

Richmond people, Richmond loans

We do not post rates. We work them out with you.

Rates move daily and depend on your credit, your down payment and the property. A rate on a billboard is a teaser; a rate from a broker who has looked at your actual numbers is one you can act on.

As a broker rather than a single lender, we take your application to several wholesale lenders and bring back the best of what comes in.

Meet the team

A white two-storey home with a covered front porch on a wooded lot

What clients say

Common questions

What does a mortgage broker actually do?

A broker is not a single lender. We take your application to a panel of wholesale lenders, compare what each will offer, and bring back the best terms. A bank can only offer you its own products.

Is pre-approval free, and does it commit me to anything?

It is free and it commits you to nothing. It tells you what you can offer, which is the point of doing it before you tour homes rather than after.

What rate will I get?

Rates change daily and depend on your credit, your down payment and the property. Call for today's rate and we will give you a real number rather than a teaser.

Can I use your agents without using you for the mortgage?

Yes. The buyer-agent credit comes from using our in-house agents. Bringing your own lender is fine, and the credit is unaffected.

How long does a purchase take to close?

Three to six weeks is typical once you are under contract, depending on the loan type and the appraisal. We tell you the realistic date rather than the optimistic one.

Not sure which loan fits?

Get pre-approved and we will point you to the one that costs you least.

Get pre-approved Book a call

Or call (804) 593-0344

Kaleb Mohr

0 days ago

William and Alex were incredible and patient with us throughout the entire home-buying process. As first-time buyers, we learned so much working with them. Alex is extremely knowledgeable and thorough on every property we toured, while Will made the entire mortgage process seamless and helped us get approved for our first home. I would highly recommend going through these guys instead of a traditional bank—they will get you straight and take care of you. It was obvious throughout the entire process that William and Alex genuinely care about their clients more than just making a sale.

Ruth Gordon

2 days ago

I was very impressed with Will Schroder who represented the buyers of my home. He was very professional but also friendly and very professional. Although I only know Will as the buyers representative I would feel comfortable recommending him and his company.

Dave Eshbach

6 days ago

Highly recommend Will and Alex. Some of the best guys around. They helped us buy the house of our dreams... 8 acres.

Desiree Brown

24 days ago

The best !! Awesome guy loved working with him

Sarah Marshall

34 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

35 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

42 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

53 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

67 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

70 days ago

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