Business Banking



FredericksburgGail J. Carr

My Goal:

I strive to assist customers with obtaining the best possible mortgage to meet their current needs; while making the process as stress free as possible.


I have had 30 years of mortgage lending experience, starting with processing, underwriting, closing, training and procedures before ending up in an origination position where I can help benefit the customer the most. I enjoy working together with the customer to make sure they are satisfied with the end result.

Customer Testimonials:

"Gail has worked with many of my clients; helping to ease their tension, during what can be a very stressful time in their lives. She is determined to have the customer leave pleased with the process and feeling that they were well taken care of and happy to come back." Carol Moore - Long & Foster


  • Bachelor of Science in Business Administration- N.C. Wesleyan College
  • Real Estate & Appraisal Certification Classes - J. Seargent Reynolds

Lending Specialties

  • First Time Homebuyer Programs
  • Construction-to-Permanent Lending
  • Refinancing to achieve personal goals

Contact Info

4805 Lassen Lane
Fredericksburg, VA 22408
Office Phone:
Direct Phone:
NMLS#: 330383

Mortgage Types

Learn about the kinds of mortgages Union has to offer and which would be right for you.

Mortgage Terms

This glossary will help you familiarize yourself with various mortgage terms.

Mortgage Resources

Access checklists, worksheets, calculators, and useful links to learn more.


Union Mortgage Group
Mailing Address:
P.O. Box 940
Ruther Glen, VA 22546