Mortgage Lender Richmond VA | All Loan Types

Richmond VA Mortgage Lender

A Local Lender Who Actually Picks Up the Phone.

804Mortgage is Richmond’s in-house mortgage team. Competitive rates, all loan types, and a real estate team built in – so you save on both sides of the transaction.

✓ All Major Loan Types

✓ Richmond-Based Team

✓ Fast Pre-Approvals

✓ NMLS #1904162

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We Don't Post Rates — We Beat Them.

Mortgage rates change daily, and a number on a website doesn't tell you what you'll actually pay. Call us or get pre-approved and we'll show you exactly what you qualify for - including how bundling real estate with your mortgage can save you thousands more than the rate alone. Call (804) 461-3343 or start your application →

Every Loan Type. One Local Team.

Whether you’re buying your first home, moving up, or refinancing – we have the right loan for your situation.

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Conventional 30-Year Fixed

The most popular loan for a reason. Predictable payments, long-term stability, and the flexibility to refinance later if rates drop.

Conventional 15-Year Fixed

Pay your home off faster and save significantly in total interest. Great for buyers who want to build equity quickly.

Build Equity Fast

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FHA Loans

Lower down payment requirements and flexible credit guidelines. One of the best options for first-time homebuyers in Richmond.

First-Time Buyers

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VA Loans

Earned by those who served. Zero down payment, no PMI, and competitive rates for eligible veterans and active-duty military.

Veterans & Military

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Jumbo Loans

Financing above conventional loan limits for higher-priced Richmond properties. Competitive terms with a local team who knows the market.

Higher-Priced Homes

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Refinancing

Lower your rate, shorten your term, pull cash out for improvements, or consolidate debt. We'll run the numbers and tell you if it makes sense.

Rate & Cash Out

Why Richmond Buyers Choose 804Mortgage

We're not a call center. We're a local team that knows Richmond, knows the market, and knows how to get your deal done.

We're Local - Actually Local

Based in Richmond. Your loan officer knows Chesterfield from Henrico, Short Pump from Church Hill. That local knowledge speeds up the process and helps you compete in a fast-moving market.

Fast Pre-Approvals

In today's Richmond market, speed matters. We move quickly on pre-approvals so your offer is taken seriously from the first showing. No waiting days for a response.

Real People, Real Answers

When you call, someone picks up. When you have a question at 7pm before your offer deadline, you get an answer. That's not the experience you get from a big national lender.

Built-In Real Estate Savings

No other Richmond lender has an in-house real estate team. When you bundle, you get half the buyer-agent commission back - typically $6,000 on a $400k home. That's money back in your pocket at closing.

How Getting a Mortgage With 804 Works

Simple, transparent, and faster than you'd expect from a local lender.

Apply or Call

Start your application online or call us directly. We'll ask the right questions and give you a straight answer about what you qualify for.

Get Pre-Approved

We issue your pre-approval letter fast. You'll know your real budget and be ready to make competitive offers.

Find Your Home

Shop with confidence. Our in-house real estate team can work alongside your mortgage - saving you time and money in one coordinated process.

Close With Confidence

We handle the loan side from application to closing. Clear communication, no surprises, and a local team with you every step.

Using 804Mortgage for Your Loan?
Add Real Estate and Save $6,000 More.

Our in-house real estate team gives you half the buyer-agent commission back at closing — apply it to closing costs or buy down your rate. No other Richmond lender offers this.

See How Bundle & Save Works →

What Richmond Borrowers Say

★★★★★ Rated 5 Stars on Google

Mortgage Questions, Straight Answers

No jargon. No runaround. Just clear answers from a local Richmond team.

What loan types does 804Mortgage offer? +

We offer all major loan types - Conventional 30-year fixed, Conven15-year fixed, FHA, VA, jumbo, and full refinancing options including rate-and-term, cash-out, home improvement, and debt consolidation. If there's a loan product that fits your situation, we have it.

How do I get pre-approved for a mortgage in Richmond? +

Start your application online at 804mortgage.com or call (804) 283-1140. A local loan officer will walk you through the process. We move fast - most pre-approvals are completed quickly so you can make competitive offers.

Why don't you publish your rates online? +

Mortgage rates change daily - sometimes multiple times a day. A rate posted this morning may not be accurate by afternoon. Rather than show you a number that might not reflect what you'll actually qualify for, we'd rather have a real conversation and give you an accurate, personalized quote. Call us or start your application and you'll have a real number in hand fast.

What's the benefit of using a local Richmond lender vs. a big national bank? +

Local lenders pick up the phone, know the Richmond market, and can move faster on pre-approvals - which matters when you're competing for a home. With 804Mortgage you also get access to our in-house real estate team, which means you can save on both your loan and your real estate transaction in one coordinated process.

Can I save money by using 804Mortgage for both mortgage and real estate? +

Yes - significantly. When you bundle mortgage and real estate with 804Mortgage, you get half the buyer-agent commission back at closing as a credit. On a $400,000 home in Richmond, that's typically $6,000 credit applied to closing costs or used to buy down your interest rate.

Ready to Get Pre-Approved?

Let’s find the right loan for your situation and show you exactly how much home you can afford in Richmond – with a local team that’s with you every step.