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For veterans and service members

You earned your VA benefit. Let us help you get the most out of it.

A VA loan is zero down with no monthly mortgage insurance. Buy through our agents and half the buyer-agent commission comes back on top. Our founder is a Marine veteran and one of our agents is a Navy veteran who has used the benefit twice himself.

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What veterans get with our team

The loan you earned, plus the credit from using our agents.

  • Zero down payment with full entitlement, and no monthly mortgage insurance
  • Half the buyer-agent commission back when you buy through our agents
  • Funding fee guidance, including the exemption for service-connected disability
  • IRRRL streamline refinance if you already hold a VA loan
  • PCS-aware timelines from a team that has moved on orders
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

Eligibility follows service history, not income.

Veterans

Those who served and were discharged under conditions other than dishonourable, subject to the VA's service-length rules.

Active duty

Service members currently serving, once the minimum active-duty service requirement is met.

National Guard and Reserves

Members who have completed six years of service, or 90 days of active-duty service under Title 10 orders.

Surviving spouses

Spouses of service members who died in the line of duty or from a service-connected disability may be eligible.

Two veterans on the team

This is not a brochure benefit to us

Will Schroeder founded 804Mortgage after 20 years in underwriting and is a Marine veteran. Jim Weill, on the real estate side, served six years in the Navy and has bought two homes with his own VA benefit.

That matters most in the details — appraisal timing, funding fee exemptions, entitlement that is partly used — which is where VA purchases usually stall.

Book a quick call
A light blue clapboard house with a wide front porch and an American flag by the 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 be a first-time buyer?
No. The VA benefit can be used more than once. If you have entitlement available, you can use it again.
Is there a loan limit on a VA loan?
Not for a borrower with full entitlement. If part of your entitlement is tied up in another property, limits can apply. We check this before you make an offer.
What is the funding fee, and can I avoid it?
It is a one-time charge that keeps the program running without monthly mortgage insurance, and it can be rolled into the loan. Veterans receiving compensation for a service-connected disability are generally exempt. Rates change, so call and we will confirm yours.
Can I combine a VA loan with the closing credit?
Yes. The VA loan is your financing. The credit comes from buying through our in-house agents. They are separate things and they stack.
I already have a VA loan. Can I lower the rate?
Often, through the Interest Rate Reduction Refinance Loan. It needs minimal paperwork, simplified income verification, and no appraisal in most cases.

Let's confirm your eligibility

Zero down and no monthly mortgage insurance. You earned it — let us help you use it.

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