You protect this city. We protect your bottom line at closing.
Overtime, shift differentials, off-duty work — most lenders don't know how to handle it. We do. And we credit you at closing.
*On a $400K home, 3% commission, 50% credited back. Scales with home price. Not a guarantee.
Your mortgage and home search in one place. No miscommunication between two strangers.
Scales up with your purchase price. Applied to closing costs or rate.
Overtime, shift pay, off-duty employment — documented correctly so you qualify for what you actually earn.
We've done this before. We know how officer income works.
One conversation, on your schedule
Tell us your goals and income structure. We work around your shift — no 9-to-5 required.
We document your income the right way
Overtime, shift differentials, consistent off-duty employment — we present your full income picture to lenders the way it should be presented.
Close around your schedule, with a credit
We coordinate closings around your rotation. You leave the table with a credit from our buyer's agent commission on your closing disclosure.
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 team handles your mortgage and home search — zero handoffs
- We know how to document overtime, shift pay, and off-duty income
- VA loan eligible — combine no-down-payment with your closing credit
- Credit scales with home price — bigger home, bigger credit
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Estimate your closing credit
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.
If you carry a badge in this region, you're in.
Active sworn and civilian personnel across the Richmond metro.
Police Officers
Active officers with Richmond PD, Chesterfield, Henrico, Hanover, and surrounding departments.
Sheriff's Deputies
Deputies with Richmond City, Chesterfield, Henrico, Hanover, and surrounding county offices.
State & Campus Police
Virginia State Police, VCU Police, University of Richmond Police, and other campus enforcement.
Correctional Officers
Officers at state and regional correctional facilities serving the Richmond area.
What our clients say
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.