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For teachers and educators

You shape the next generation. You have earned a better deal.

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. Sell for a 1.5% listing fee.

Get pre-approvedBook a free call

What educators get with our team

No special loan product needed. The savings sit on top of whatever loan fits you best.

  • Half the buyer-agent commission back when you buy through our agents
  • A 1.5% listing fee when you sell
  • Conventional, FHA or VA — whichever costs you least
  • One team for the loan and the move, so nothing gets dropped
  • 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 educators and school staff across the Richmond metro.

K–12 teachers

Full-time and part-time teachers at Chesterfield, Henrico, Richmond City and Hanover schools.

Administrators and counselors

Principals, assistant principals, school counselors and instructional coordinators.

Support staff

Instructional assistants, school librarians and classified support staff.

Community college faculty

Faculty and staff at Reynolds and other Richmond-area institutions.

Built around your calendar

A team that respects your time and your budget

You spend the day helping other people. We keep this simple: clear numbers, one point of contact, and a credit that goes straight to your closing costs.

Most of the process runs by phone and email, and we schedule around a school day rather than expecting you to take one off.

Book a quick call
A brick two-storey home with a slate roof and an arched front door

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 near my school?
No. Buy anywhere in the Richmond metro. Working at a qualifying school is what makes you eligible, not where you buy.
How much is the credit?
Half the buyer-agent commission. On a $400,000 home at a 3% commission that is about $6,000. It scales with the price of the home.
Do I have to use 804Mortgage for my mortgage?
No. The credit comes from using our in-house agents. You are welcome to bring your own lender. Many clients do use us for both because it keeps one timeline, but that is a convenience, not a condition.
Can I combine this with a first-time buyer program?
Usually yes. The credit sits on top of the loan rather than replacing it, so it can be combined with FHA and other first-time buyer options. We will find the best combination for your situation.
Is the credit real?
Yes. It appears on your closing disclosure as an interested party credit, applied to your closing costs. The exact amount varies by transaction and the cap moves with your loan type and down payment, which we confirm before the offer is written.

Teachers, this one is for you

Free pre-approval, no commitment, and a team that does the loan and the move.

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