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For firefighters and EMS

You run to the emergency. But buying your home should not be a disaster.

Shift work makes buying harder than it needs to be. We work around a 24/48 or a 48/96, and we document shift income properly. Buy through our agents and half the buyer-agent commission comes back to you.

Get pre-approvedBook a free call

What fire and EMS crews get with our team

A process that fits a rotation, and a credit at closing.

  • Half the buyer-agent commission back when you buy through our agents
  • 24/48 and 48/96 shift income documented properly
  • We schedule around your rotation, including the closing
  • A 1.5% listing fee when you sell
  • 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.

Who qualifies

Active career and volunteer personnel across the Richmond metro.

Career firefighters

Full-time firefighters at Richmond, Chesterfield, Henrico, Hanover and surrounding departments.

EMTs and paramedics

Emergency medical personnel employed by fire departments, private EMS or hospital-based services.

Volunteer firefighters

Active volunteers with documented service at a Richmond-area company.

Fire officers and administrators

Company officers, battalion chiefs, fire marshals and department administrators.

No office hours required

The process runs while you are on shift

Pre-approval and the home search run in parallel, and both are handled remotely. Text, call or email whenever you are off shift and you will get an answer.

Closings get scheduled around the rotation wherever the other side of the transaction allows it.

Book a quick call
A brick farmhouse with a standing-seam metal roof and a full-width porch

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

Does shift income qualify for a mortgage?
Yes. Base pay, overtime and shift differentials all count when they are documented correctly. Two years of consistent history is typically required.
Can you work around my 24/48 or 48/96 rotation?
Yes. The process runs remotely and we communicate on your schedule. Closings get scheduled around your rotation wherever possible.
Do I have to buy near my station?
No. Buy anywhere in the Richmond metro. Where you are employed is what qualifies you.
Do I have to use 804Mortgage for my mortgage?
No. The credit comes from using our in-house agents. You can bring your own lender.
Is the credit real?
Yes. It appears on your closing disclosure, applied to your closing costs. The amount varies by transaction, and the cap moves with your loan type and down payment.

Let's work around your schedule

One call between shifts, no paperwork, and a straight answer.

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