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804 Public Servant Program — Teachers & Educators

You shape the next generation. You deserve a better deal when you buy.

We handle your mortgage and home search as one team — and credit you at closing. No runaround. No jargon.

One contact, start to close✓
First-time buyer programs available✓
Mortgage + agent on the same team✓
Closing credit example*~$6,000

*On a $400K home, 3% commission, 50% credited back. Scales with home price. Not a guarantee.

Richmond-Based
Mortgage + Agent in One
First-Time Buyer Friendly
Chesterfield · Henrico · Richmond · All Virginia School Systems
#1
team
Agent & Lender

Your mortgage and home search handled together. No miscommunication. No waiting on two companies.

~$6K
closing credit
On a $400K Home

Scales with your purchase price. Applied to closing costs or rate.

$0
down available
Low Down Options

VHDA and other low-down-payment programs available. We'll find the best combination for your situation.

How It Works

Simple process. One team. Real credit at closing.

01

One conversation, on your time

Tell us where you want to live and what you're working with. We'll show you your options and your credit — no paperwork, no commitment.

02

We handle both sides together

Pre-approval and home search run in parallel. Your agent and lender are the same team, so nothing falls through the cracks.

03

Close with a credit

At closing, you receive a credit from our buyer's agent commission — applied to your closing costs or rate. It's on your closing disclosure.

Want to see your number?

One 15-minute call. No paperwork, no pressure.

Schedule a Free Call
Bundle & Save

Every other buyer pays full price. You don't have to.

When your lender and agent are the same team, the efficiency comes back to you as a credit at closing.

  • One person handles your mortgage and home search — no handoffs
  • Combine with VHDA or other first-time buyer programs
  • Faster closings — no waiting on two companies to sync
  • Credit scales with home price — bigger home, bigger credit
See Your Closing Credit ↓

Bundle & Save Calculator

Estimate your closing credit

Est. buyer's agent commission (3%)$12,000
Closing credit to you (50%)$6,000
Your estimated closing credit$6,000
Schedule a Free Call

Illustration only. Based on 3% buyer's agent commission, 50% credited back. Actual credit varies by home price and loan program. Not a guarantee or loan commitment.

Who Qualifies

If you teach or support students in Richmond, you're in.

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 & 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, J. Sargeant Reynolds, and other Richmond-area institutions.

Google Reviews

What our clients say

FAQ

Questions teachers ask us

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Yes. The closing credit can be combined with FHA loans and other first-time buyer programs. We'll identify the best combination for your situation.
No. Buy anywhere in the Richmond metro. Your employment at a qualifying school is all that's required.
Approximately 50% of the buyer's agent commission — roughly $5,250 on a $350K home or $6,000 on a $400K home. Scales up with your home price.
Yes. It appears on your closing disclosure, applied to what you owe. Amount varies by transaction.
One call or text. No paperwork, no commitment. We'll tell you what you qualify for and what your credit could look like.
804 Public Servant Program

Find out what you've been leaving on the table.

One conversation. No paperwork. A straight answer on your credit and your buying power.

804Mortgage, LLC (NMLS #1904162) is a licensed mortgage broker in the Commonwealth of Virginia. Real estate services provided by 804 Home Sales Team, licensed under Swell Real Estate Co. Closing credit figures are illustrations only — based on 3% buyer's agent commission, 50% credited back. Actual credit varies by home price, commission rate, and loan program. Not a guarantee or loan commitment. Equal Housing Lender • Equal Housing Opportunity.