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For nurses and healthcare workers

You take care of everyone else. We will take care of you and your closing.

Shift differentials, PRN and travel contracts trip up most lenders. We document them properly. Buy through our agents and half the buyer-agent commission comes back to you at closing.

Get pre-approvedBook a free call

What healthcare workers get with our team

Income documented properly, and a credit at closing on top.

  • Half the buyer-agent commission back when you buy through our agents
  • Shift differentials, PRN and overtime documented as qualifying income
  • Travel contract experience — we have done it before
  • 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 healthcare workers at Richmond-area systems and practices.

Registered nurses

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

LPNs and CNAs

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

Allied health professionals

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.

The part most lenders get wrong

Part of your income is often left on the table

Base pay is easy. Shift differentials, PRN and overtime are where loan officers go quiet, and the result is a pre-approval smaller than what you actually earn.

Consistent differentials on your pay stubs can count. So can PRN income with a two-year history. We present the full picture rather than the easy half.

Book a quick call
A house with a gambrel roof and a deep front porch with rocking chairs

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 PRN or per diem income count?
It can, with documentation. Consistent PRN income over two years can typically be included. The key is how it is presented to the lender.
I am on a travel contract. Can I still buy?
Yes. It takes extra documentation, but travel nurses can qualify using contract income and history. We have done it before.
Does shift differential income count?
Yes. Consistent shift differentials shown on your pay stubs can be included in qualifying income. We make sure they are counted.
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 if you prefer.
Is the credit real?
Yes. It appears on your closing disclosure as an interested party credit. The amount varies by transaction, and the cap moves with your loan type and down payment, which we confirm before the offer.

Let's find out what you actually qualify for

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