804Mortgage | William Schroeder | Real Estate and Mortgage Bundled

About 804Mortgage

804Mortgage is a Richmond-based company that uniquely combines mortgage brokerage services with real estate agent services. This integrated approach allows clients to secure their home loan and find a real estate agent from a single source, streamlining the home-buying process. The company offers a special incentive where purchasing a home through their agents results in half of the buyer-agent commission being returned to the client at closing. They also provide a low 1.5% listing fee for sellers, significantly reducing the typical costs associated with selling a home. 804Mortgage emphasizes local expertise and personalized service, aiming to make real estate transactions more affordable and efficient for the Richmond community and surrounding areas.

Credentials & Trust

804Mortgage holds an NMLS #1904162 and is licensed to operate in Virginia. The company boasts a 5-star rating on Google, backed by 118 reviews, indicating a high level of customer satisfaction. They highlight their commitment to transparency and client savings, particularly through their 'Bundle & Save' program, which offers substantial credits back to buyers and reduced listing fees for sellers. Their service model is designed to build trust by directly returning a portion of commissions to clients, a verifiable differentiator in the market.

Offerings

804Mortgage provides a comprehensive suite of services for both homebuyers and sellers. For mortgages, they offer conventional, FHA, VA, and jumbo loans with fixed terms ranging from 10 to 30 years, including refinancing options. Their real estate services include assisting buyers with home purchases and offering a full-service listing option for sellers at a 1.5% fee. The 'Bundle & Save' program allows clients to combine mortgage and real estate services for additional savings, with credits applied directly at closing. They also offer a 'Triple Play' option for those buying and selling simultaneously. Their service areas cover Richmond and surrounding counties like Henrico, Chesterfield, and Hanover.

Unique Advantages

804Mortgage distinguishes itself by integrating mortgage brokerage with real estate agent services, allowing clients to get their loan and agent from one place. They offer to return half of the buyer-agent commission to the client at closing, a significant financial benefit. Additionally, they provide a reduced listing fee of 1.5% for sellers, compared to the typical 3%. Their 'Bundle & Save' program further enhances savings when multiple services are utilized.