Get Half the Buyer-Agent Commission Back at Closing with Bundle & Save.
When you buy your Richmond home through 804Mortgage’s in-house REALTORS®, we return 50% of the buyer-agent commission to you at closing – applied as a credit to your closing costs or used to buy down your interest rate. On a $400,000 home, that’s up to $6,000 back in your pocket*.
No commitment required. Buyers do not receive cash back, all funds applied as Interested Party Credits. Subject to lender approval and applicable limits.
How Bundle & Save Works
Three steps to thousands of dollars back at closing.
01
Get Pre-Approved with 804Mortgage
Start with your mortgage. We’ll run the numbers, lock your rate, and get your pre-approval letter ready. This is what gives you buying power in Richmond’s market.
02
Buy with Our In-House Agents
Work with our licensed real estate agents to find and purchase your home. Because we’re already your lender, there’s zero back-and-forth between teams – one conversation covers everything.
03
Get 50% of the Commission Back
When the seller pays the buyer-agent commission, we return half of it to you as a credit. It appears on your Closing Disclosure and is applied to closing costs or your rate.
How Much Could You Get Back?
Enter your home price and see your estimated credit instantly.
Why Richmond Buyers Choose Bundle & Save
Built around your savings, not our revenue.
One Point of Contact. Half the Stress.
Most buyers juggle a lender and an agent who barely talk to each other. With 804, they’re the same team. Fewer calls, fewer dropped balls, and no finger-pointing when something needs to get done.
Real Money Back at Closing
This isn’t a discount on our fees — it’s actual money returned to you from the commission the seller was already paying. It reduces what you owe at closing or lowers your monthly payment permanently.
No Compromise on Service
Our REALTORS® are full-service agents. You get MLS access, offer negotiation, contract management, and representation at closing — everything a traditional agent provides, plus the credit.
One Local Team, Start to Finish
We’re Richmond-based. We know the neighborhoods, the comps, and the local market. You’re not working with a call center — you’re working with people who live and work here.
Common Questions
Straight answers before you reach out.
Ready to Keep More of Your Money?
Talk to a local Richmond agent today. No pressure, no commitment – just a straight answer on how much you could save.
Or call us directly: (804) 461-3343