Remodeling and Home Design
Preferred Mortgage Lenders

Rusty Cowper
Union Bank
4805 Lassen Lane
Fredericksburg, VA 22408
Office: 540-735-2987
VOIP #7452
Fax: 540-301-5990
Cell: 540-842-8642
Webpage & Prequalify at:

I am a professional with over 30 years in mortgage lending, and as such, have experienced every type of market imaginable. It’s solving the puzzle for the client that I truly enjoy. Experienced in all aspects of lending, including Government lending (VA, FHA, and RD), Down-payment assistance programs, and the more complex loans such as Construction-Permanent, piggyback financing, investor & 2nd home purchases. Union prides itself in having a full bundle product mix, including specialty products to best suit the Borrower’s needs. If you need it, we have an acronym for it!

We offer competitive rates and with in-house processing, underwriting and closing, my team guarantees the highest level of integrity and customer satisfaction. I keep involved in every loan from incubation through closing.

I am Certified by VHDA to teach First Time Homebuyer classes and I continue my education through the Mortgage Bankers Association and the Fredericksburg Area Association of REALTORS. Since arriving in Fredericksburg VA 25 years ago, I have been actively involved in professional & community service groups including Stafford Rotary, Fredericksburg Chamber of Commerce, the Fredericksburg Area Builders Association, and FAAR Meet-up. I am also a board member of the Neighborhood Stabilization Program through CVHC.

I earned a Bachelors of Science from the University of Florida in Marketing and on a personal note I am the proud father of three children.

Thank you for your business!


Deneen Jo Houser Bernard

Certified Mortgage Specialist, NMLS 207094/MLO-6207VA
Motion Mortgage Inc.
Licensed in the Commonwealth of Virginia

*Winner of Women's Council of Realtor's Affiliate of the Year 2013*
24/7 Mobile & Text:  540-424-5700
Email: Deneen Bernard
Office (Direct): 540-376-4194