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For law enforcement

You protect this city. We will protect the bottom line at closing.

Overtime, shift differentials and off-duty work are where most lenders get officer income wrong. We document it properly. Buy through our agents and half the buyer-agent commission comes back to you.

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What officers get with our team

Income presented correctly, and a credit at closing on top.

  • Half the buyer-agent commission back when you buy through our agents
  • Overtime, shift pay and consistent off-duty income documented properly
  • VA-eligible officers can combine zero down with the closing credit
  • 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
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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 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 and 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.

Documented, not estimated

Overtime counts when it is presented properly

Two years of documented history is the usual bar for overtime, shift differentials and consistent off-duty employment. Usually the problem is how the income is presented, not the income itself.

We schedule around a rotation rather than office hours, and we coordinate closings the same way.

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A grey clapboard house with a covered front porch and steps

Where the credit comes from

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

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Common questions

How does overtime and off-duty income affect qualification?
It helps, when documented correctly. Overtime, shift differentials and consistent off-duty income can all count toward qualifying income. Two years of documented history is typically required.
Can I use my VA benefit with this?
Yes. Veterans in law enforcement can combine VA financing — no down payment and no monthly mortgage insurance — with the closing credit from using our agents.
Do I have to buy in my jurisdiction?
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. Bringing your own lender is fine.
Is the credit real?
Yes. It appears on your closing disclosure. The amount varies by transaction, and the cap moves with your loan type and down payment, which we confirm before the offer is written.

Let's work out your number

One call, no paperwork, and a straight answer on your income and your credit.

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