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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


  • 5.0

    5.0 Survey completed on November 08, 2020

    Review By Lora P. for Rusty Cowper

    Completed transaction in November 2020

    Rusty was truly there for us. Really worked with to get the best rate possible & was very supportive of my many check check in calls, questions, etc. Thank you Rusty!

  • 5.0

    5.0 Survey completed on October 23, 2020

    Review By Sharliena N. for Rusty Cowper

    Completed transaction in October 2020

    Rusty was very informative and patient through the whole process and COVID19. Once we finally settled on our retirement home, he jumped right in and was able to get us the loan that we needed.

  • 5.0

    5.0 Survey completed on October 10, 2020

    Review By Kwadwo B. for Rusty Cowper

    Completed transaction in October 2020

    Rusty was fast, always communicative, and looked out for me. A pleasure to work with!

  • 5.0

    5.0 Survey completed on October 06, 2020

    Review By Adam S. for Rusty Cowper

    Completed transaction in October 2020

    Rusty was wonderful throughout the entire process. He was reliable, informative, and generally a pleasure to work with. Thank you, Rusty, and your team for all your hard work helping my family get settled into our new home. I highly recommend Rusty (and already have!).

  • 5.0

    5.0 Survey completed on October 06, 2020

    Review By Jenna S. for Rusty Cowper

    Completed transaction in October 2020

    Considering the speed bumps we experienced during our sale and purchase of homes, Rusty was right there with us and providing quick responses to our ever-evolving situation. He looked out for us and our best financial position possible through it all and for that, I would not hesitate to refer to him (and Embrace) to any others. Rusty was a pleasure to work with and while I hope we stay put in our new home for a while, I would be happy to work with Rusty again!

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Rates Hit New Low as Refis Jump Once Again

Mortgage rates hit another record low this week, and it sent refinances surging. According to the latest report from the Mortgage Bankers Association, refinance applications jumped 5% and are now 79% higher than a year ago.  Purchase loan applications were up, too, rising 4% from the previous week. They’re now 19% higher than one year…

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