Skip To main content
Rusty Cowper

Virginia - Fredericksburg

1671 Jefferson Davis Highway, Suite 205

Fredericksburg, VA 22401


About Rusty

With three decades in the mortgage industry, there isn’t much Rusty hasn’t tackled. He spent twenty years as a Loan Originator at BB&T, three years at Union, and a short time at The Federal Savings Bank before joining us at Embrace. We’re excited to have Rusty bring his extensive knowledge and experience to our Fredericksburg branch.

Although the office is new to Rusty, he knows Central Virginia like the back of his hand. And his business here isn’t limited to creating loans. Rusty stays involved in many areas of the community. He is a board member of the Fredericksburg Area Builders Association, active in the Fredericksburg Area Association of Realtors, the Fredericksburg Regional Chamber of Commerce, and is an honorary member of the Stafford Rotary Club.

After spending his childhood in Montreal, Canada, Rusty has lived up and down the East Coast from Sarasota to Boston, earning his Bachelor of Science in marketing & economics from the University of Florida. One of his joys is sailing. And when he’s not out on the water, Rusty enjoys camping, live music, and traveling with his wife Julie, a RN. His oldest daughter works for the Peace Corps in Morocco, youngest daughter in college in Montreal, and son is an engineer in Norfolk, VA.

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on April 04, 2021

    Review By Nicole S. for Rusty Cowper

    Completed transaction in March 2021


  • 4.0

    4.0 Survey completed on April 02, 2021

    Review By Joshua S. for Rusty Cowper

    Completed transaction in March 2021

    The service was good throughout. Some communication and things at a brief point caused a hold up. Other loans were being closed as a priority and we lost about 30 days on our application causing a need to buy back points to get the previously indicated rate. We had to upload all of our documents again after receiving a few notices in the mail about failure to act. Rusty was really easy to work with but the execution of the process as a whole could have been better. Would recommend to others.

  • 5.0

    5.0 Survey completed on March 23, 2021

    Review By Carla B. for Rusty Cowper

    Completed transaction in March 2021

    Rusty Cowper was excellent to work with! We highly recommend Rusty for your next home purchase and/or ReFi! He is extremely knowledgeable and we highly recommend him!

  • 5.0

    5.0 Survey completed on March 13, 2021

    Review By Brent B. for Rusty Cowper

    Completed transaction in March 2021

    Rusty was a pleasure to work with and extremely knowledgeable about the process. We would absolutely choose Rusty for our next home buying or refinance opportunity.

  • 5.0

    5.0 Survey completed on January 15, 2021

    Review By Deirdre B. for Rusty Cowper

    Completed transaction in January 2021

    Rusty was great. Responsive to questions and gave great advice. My only suggestion (as it's been 25 years since I went through this last) was to give a heads up about final sign offs that might be coming up, if any, just prior to the closing. Other than that, the experience was painless!!

Loan in progress?

Please correct the form errors and try again.
Listing a Luxury Home: 5 Tips for Real Estate Agents

Breaking into the luxury market is every agent’s dream. After all, listing a luxury home means a higher price tag. And a higher price tag? Well, that equals more commission. But what does it take to actually sell that high-end property once you snag one? And how can you make sure you get top-dollar when…

Read More