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 Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



4.0 Survey completed on June 02, 2020

Review By Jill R. for Rusty Cowper

Completed transaction in May 2020

Rusty does a good job. This refi took a while. Not his fault. Covid slowed it down. We will use him again!


5.0 Survey completed on May 31, 2020

Review By Barbara E. for Rusty Cowper

Completed transaction in May 2020

Rusty was seemingly available at all hours and worked quickly to get us approved for a home loan.


5.0 Survey completed on May 29, 2020

Review By Amy T. for Rusty Cowper

Completed transaction in May 2020

Rusty made the process smooth and efficient.


5.0 Survey completed on May 28, 2020

Review By Victor E. for Rusty Cowper

Completed transaction in May 2020

Transactions were fast, friendly, and communications were clear.


5.0 Survey completed on May 27, 2020

Review By Ethan Y. for Rusty Cowper

Completed transaction in May 2020

Rusty was able to steer our loan through under the uncertain financial times we face which created a number of roadblocks and frustrations on our part with having to continually validate information needed for apporval,

Mortgage Interest Rates Drop
Rates Hit New Low, While Mortgage Activity Stalls Out

Mortgage activity dropped again, this time falling 1.8% over the week. Refinance applications were down 2%, while applications to purchase a home fell 1%. On both counts, activity is still much higher than one year ago. According to Joel Kan, associate vice president of economic and industry forecasting at the Mortgage Bankers Association, this was…

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