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804 Public Servant Program

You have spent your career serving Richmond. Let us serve you.

Teachers, firefighters, officers, nurses and veterans keep this city running. Buy your next home through our agents and half the buyer-agent commission comes back to you at closing — about $6,000 on a $400,000 home at a 3% buyer-agent commission.

Get pre-approvedBook a free call

One model, every profession

The same credit, with expertise specific to how you are paid.

  • Half the buyer-agent commission back when you buy through our agents
  • A 1.5% listing fee when you sell
  • First-time and repeat buyers both eligible
  • Conventional, FHA or VA — whichever costs you least
  • Optional: finance with us too, though the credit does not depend on it
Example

On a $400,000 home

Buyer-agent commission at 3%$12,000
Paid byThe seller
Your shareHalf
Credit to you$6,000
Start pre-approval

How it works

1

Tell us the plan

Buying, selling or both. We map the savings to your move.

2

Get pre-approved

A few minutes online, and no commitment.

3

Buy with our agents

Your credit is set the moment you use our in-house team.

4

Keep the difference

Half the commission comes back at closing.

Choose your program

Each one is tailored to how your profession is paid and scheduled.

Teachers and educators

K–12 teachers, administrators, support staff and community college faculty.

Firefighters and EMS

Career and volunteer firefighters, EMTs and paramedics. We work around shift rotations.

Law enforcement

Officers, deputies, state troopers and correctional officers. We document overtime correctly.

Nurses and healthcare

RNs, LPNs, CNAs and allied health at VCU Health, HCA, Bon Secours and others.

Every program

TeachersK–12 and community collegeFirefighters & EMSCareer and volunteerLaw enforcementSworn and civilianNurses & healthcareClinical and allied healthVeteransVA loans and entitlement
Not sure which fits

One call and we will tell you where you stand

If your job spans two of these, or you are not sure your role counts, ask. The eligibility line is drawn around active service in the profession, not a job title.

One conversation, no paperwork, and a straight answer on your credit and your buying power.

Book a quick call

Where the credit comes from

The buyer-agent commission is already being paid by the seller. Half of it comes back to you instead.

See Bundle & Save

Common questions

Do I have to buy in the city where I work?
No. Buy anywhere in the Richmond metro — Midlothian, Short Pump, Glen Allen, Mechanicsville, Goochland, wherever makes sense. Where you are employed is what qualifies you.
Do I have to be a first-time buyer?
No. First home or fifth, the program works the same. Active public servants in the Richmond area are eligible.
What loan types work with this?
Conventional, FHA and VA are all available. We will find the right fit in the first conversation.
Do I have to use 804Mortgage for my mortgage?
No. The credit comes from buying through our in-house agents. You are free to bring your own lender.
Is the credit real?
Yes. It shows up on your closing disclosure as an interested party credit. It scales with the price of the home, and the cap moves with your loan type and down payment, which we confirm before the offer is written.

Find out what you have been leaving on the table

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

Get pre-approvedBook a free call
Or call (804) 593-0344