804 Public Servant Program — Healthcare

You take care of everyone else. We take care of you at closing.

PRN, travel contracts, shift differentials — most lenders get it wrong. We get it right. And we credit you at closing.

Shift & PRN income handled correctly
Travel contract experience
One team, mortgage + agent
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
Nurse Income Specialists
VCU Health · HCA · Bon Secours
#1
team
Agent & Lender

Your mortgage and home search in one place. One contact. No gaps between what your agent wants and what your lender needs.

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

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

100%
income counted
Full Picture

Shift differentials, PRN, overtime — we document your full income picture so you qualify for what you actually earn.

How It Works

Most lenders miss half your income. We don't.

01

One conversation, on your time

Tell us where you want to land. We'll walk through your income situation and show you exactly what you qualify for.

02

We document your income correctly

Base pay, shift differentials, PRN, overtime, travel contracts — we present your full picture to lenders. Most loan officers leave money on the table here.

03

Close around your schedule, with a credit

We work around 12-hour shifts. You close with a credit from our commission — on your closing disclosure, every time.

Want to see your number?

One 15-minute call. No paperwork, no pressure.

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.

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 care for patients in Richmond, you're in.

Active healthcare workers at Richmond-area health systems and practices.

👩‍⚕️

Registered Nurses

RNs at VCU Health, HCA, Bon Secours, Sheltering Arms, and other Richmond-area health systems.

💉

LPNs & CNAs

Licensed practical nurses and nursing assistants at hospitals, clinics, long-term care, and home health.

🏥

Allied Health Professionals

Radiologists, respiratory therapists, physical therapists, lab technicians, and other licensed clinical roles.

🚑

Hospital-Based EMS

Paramedics and EMTs employed by hospital systems or hospital-based emergency services in the Richmond area.

Google Reviews

What our clients say

Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Will is a great broker! Very straightforward about all aspects of the buying process. Willing to go the extra mile to make sure you get what you want. Comes highly recommended!
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Brigette Borum profile picture
Brigette Borum
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Will was amazing to work with! He answered all of our questions, found a great mortgage for us, and had a list of reputable people and companies to work with (including our realtor Ben, who was incredible).
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Delia Connery profile picture
Delia Connery
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Will is AMAZING!!! After being told "No" from lenders for the past two years, Will found a "YES" & made it happen! I am so thrilled to have found him & would recommend him 100% to anyone looking to purchase or refinance. He is real, straight up, and really wants to HELP people! So rare these days for anyone to go above & beyond, but that's exactly what he did for us! Truly a blessing that came at just the right time!
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Amy Henderson profile picture
Amy Henderson
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We have known Will for over a year and recently engaged him professionally as our mortgage broker. It was evident early on that Will is passionate about what he does and about his clients. He never hesitated to roll up his sleeves or pick up the phone. We were well informed throughout the process and are confident that he helped us obtain the best rate and terms possible. Having Will in our corner throughout the buying process made for a fun and positive experience. Truly a pleasure to know and work with him!
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Kendall O'Neill profile picture
Kendall O'Neill
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We are so thankful to have found Will! Our home buying process was long and arduous, with the exception of 804 Mortgage! It took us over 3 months to close due to issues with our seller. With very little notice that we would even be closing, we were stuck at an old locked in and very unfavorable interest rate with a different company. We contacted Will and he fixed everything for us. We ended up with a much lower rate and he was able to get everything together so lightning fast, we didnt even delay our closing by switching to him. His positive attitude and attention to detail set him apart. He invests himself in what a huge deal buying a house is and wants the best for his clients. As first time home buyers, its easy to feel taken advantage of in this industry. However, Will stands out by making sure you understand the it's and outside of the process and do not get stuck in a bad situation. He not only saved us money, but made our experience so much better overall. We cannot recommend 804 mortgage enough!
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Sarah Rogan profile picture
Sarah Rogan
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My husband and I were blindly moving to a different state with our five children. With a career change we weren't sure if we'd get approved for a loan and Will made it happen. Without even knowing us or being able to meet us in person he kindly held our hand throughout the entire process from securing the loan, arranging home viewings (with his associate Ben) to writing up the offer for the house we wanted. A true man of many hats who saved us thousands of dollars. We could not be more grateful for what he did for us and recommend him a thousand times over.
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Genevieve Acker profile picture
Genevieve Acker
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Will sure knows the industry and was always open to answering my questions as we navigated buying our first home. Working with Will meant I didn't need an agent which saved me so much money. Got me a great loan.
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Pete Gunning profile picture
Pete Gunning
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Will helped my wife and I secure a loan for our first home. Incredibly knowledgeable and fast with his help, the process would not have been possible without him. I highly recommend Will for anyone looking for a loan officer. Thanks so much again, Will!
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Jacob profile picture
Jacob
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William is an adept professional and I enjoyed working with him. His many years of experience is clearly demonstrated in how well he handled the challenges during this process. He patiently answered every question (there were many) and helped close the deal despite the obstacles. Thank you William!
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Thao Pham profile picture
Thao Pham
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Will was amazing to work with! He is very knowledgeable and he helped guide me through the entire process of applying for a home. He uses a very accessible platform to give estimates and breakdown the costs. As a first time home buyer, I was relieved to work with someone who truly met me where I was at, and helped to simplify the process. Will went above and beyond, and I cannot recommend him enough to other folks looking for a new home!
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Hira Azher profile picture
Hira Azher
FAQ

Questions nurses ask us

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

It can — with documentation. Consistent PRN income over two years can typically be included. We know how to present it to lenders in a way most loan officers don't.
Yes. It takes extra documentation, but travel nurses can qualify using contract income and history. We've done it before.
Yes. Consistent shift differentials on your pay stubs can be included in qualifying income. We make sure it's counted.
Yes. It shows up on your closing disclosure. Scales with your home price.
One call. No paperwork, no commitment. A straight answer on your qualifying income 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.