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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

    5 Survey completed on October 12, 2021

    Review By Mitchell H. for Rusty Cowper

    Completed transaction in October 2021

    The communication was great and I could tell that Rusty was working hard to make the deal happen.

  • 5

    5 Survey completed on October 04, 2021

    Review By Andrea V. for Rusty Cowper

    Completed transaction in September 2021

    Rusty was a great help, being first time homebuyers we were really nervous but rusty explained everything to us and made the process so easy! He’s the best!

  • 5

    5 Survey completed on August 05, 2021

    Review By Ashley W. for Rusty Cowper

    Completed transaction in July 2021

    Good communication

  • 5

    5 Survey completed on August 03, 2021

    Review By Cheryl P. for Rusty Cowper

    Completed transaction in July 2021

    Rusty went above and beyond to help me get the mortgage closed in time. I had many extenuating circumstances and he never got frustrated just kept flipping over stones until we were able to get the numbers to work. Thank you!

  • 5

    5 Survey completed on July 29, 2021

    Review By Nicole S. for Rusty Cowper

    Completed transaction in July 2021

    Establishing a personal real human relationship to help a client get things done is important to me. Rusty and Valerie helped me every step of the way. That is how a business should run and care about its clients.

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Mortgage Rates Hit Their Highest Point in Months

Mortgage rates hit their highest point since April this week, according to Freddie Mac. The average rate on 30-year, fixed-rate loans clocked in at 3.05% — up from 2.99% last week.  “As inflationary pressure builds due to the ongoing pandemic and tightening monetary policy, we expect rates to continue a modest upswing,” said Sam Khater,…

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