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Richmond VA Home Buyers

Buy Your Home.
Keep Thousands More.

Get pre-approved fast, find the right home, and get money back at closing — all from one local Richmond team that handles the mortgage and the real estate.

Get Pre-Approved Free
Call (804) 461-3343
$6,000
Avg. money back at closing
★ 5.0
Google rating
1
Richmond team, two services
The 804Mortgage Difference

Use Our Agent. Get Money Back at Closing.

Most buyers don’t know their lender and their agent can be the same team. When they are, we return 50% of the buyer-agent commission to you at closing — applied to closing costs or a rate buydown. No other Richmond lender does this.

1

Get Pre-Approved

Start your free mortgage application online in minutes.

2

Find Your Home

Our licensed REALTORS® show you homes and handle every negotiation.

3

Get Money Back

50% of the buyer-agent commission returns to you at closing.

See How Bundle & Save Works
Get Pre-Approved Free
All Loan Types

Every Loan Type. One Local Team.

Whether you’re a first-time buyer, a veteran, or moving up — we have the right loan for your situation.

Conventional

620+ credit. Down payment as low as 3%. Best rates for qualified buyers.

FHA

580+ credit. 3.5% down. Great for first-time buyers with limited savings.

VA Loans

0% down for eligible veterans & active duty. No PMI. We specialize in VA loans.

VETERAN OWNED

Jumbo / Other

Jumbo, USDA, VHDA, refinance & cash-out. Ask us what fits your situation.

How It Works

From Application to Keys — Here’s How It Works.

A clear, simple process with a local team communicating every step of the way.

1

Pre-Approval

Apply online in minutes. We review your situation and issue a pre-approval letter fast — often same day.

2

Home Search

Tour homes with our licensed REALTORS®. Full MLS access. We know Richmond’s neighborhoods.

3

Offer & Contract

We write a competitive offer, negotiate on your behalf, and manage every detail through contract.

4

Close & Save

Close with confidence. Your Bundle & Save credit shows up on the Closing Disclosure — real money back.

What Richmond Buyers Say

5 Stars. Every Time.

★★★★★ Rated 5.0 on Google

Common Questions

Straight answers before you reach out.

How long does pre-approval take?+
For most buyers, we issue a pre-approval letter the same business day — sometimes within a few hours. We move fast because sellers expect it.
Yes. The credit comes from the buyer-agent commission earned by our in-house agents. You’re free to use any agent, but the credit only applies when you use 804 Home Sales Team.
How much money back will I actually get?+
On a $400,000 home with a 3% buyer-agent commission, you’d receive approximately $6,000 back at closing. The exact amount depends on the commission offered by the seller.
Can the credit be used for anything?+
It applies to allowable closing costs first. Any remaining amount can be used to buy down your interest rate. It cannot be received as cash.
What credit score do I need?+
FHA: 580+. Conventional: 620+. VA loans: no VA minimum, lenders typically look for 580–620. We’ll match you with the right program.
What if I already have an agent?+
No problem — we’ll handle the mortgage side. The Bundle & Save credit only applies when using our agents, but we work with buyers represented by any licensed REALTOR®.