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Heather Frye | The Frye Lending Team
Area Manager

Heather Frye is a top-rated mortgage loan officer and local mortgage lender with New American Funding serving Fredericksburg VA, Stafford VA, Spotsylvania VA, Northern Virginia and borrowers across Virginia. With 20+ years of mortgage exper... Show More
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Always availible. Always checking in
Heather, Beth and Abby are rockstars!!!! We purchased our home using no realtor and they helped us through this process tremendously. I will forever use them.
Quick and helpful team!
Excellent team all the way around! They make everything so easy!
You all made the process easy , and made me feel at ease . I'm truly thankful for a great experienc.
Reply from Heather Frye | The Frye Lending Tea...
September 1st, 2026 04:19 PM
Thank you Carl. We really appreciate your trust and allowing us to help you with your home purchase. Enjoy your new place - Its a magical little spot!
The Frye Team communicated with me on each step in the process and made the process work smoothly.
Reply from Heather Frye
September 1st, 2026 04:20 PM
John, thank you so much for allowing me and The Frye Lending Team to serve you with your loan and your new home purchase. We are honored to have earned your trust and your business. Thank you for taking the time to leave a review as well.
WIt’s hard to put into words just how incredible this team is. Communication, professionalism, and commitment are the fundamental values of Heather and Bethany. Thank you very much for turning the dream of homeownership into a reality.
Reply from Owner
August 24th, 2026 04:40 PM
Leticia, thank you for your kind words. I'm grateful to hear that communication, professionalism, and commitment stood out during your experience. It was a pleasure to help make your dream of homeownership a reality.
Heather & her team were extremely communicative & responsive throughout the entire home buying process. We could not recommend them more!
Reply from Heather Frye | The Frye Lending Tea...
August 10th, 2026 06:33 PM
Caroline, I appreciate your kind words about my team's communication and responsiveness. It's wonderful to know that you would highly recommend us. If you ever need further assistance, please don't hesitate to reach out.
Always communicating and consistantly up to date on the course of the closing. Loved working with her
Reply from Heather Frye | The Frye Lending Tea...
July 15th, 2026 10:58 PM
Thank you Martha for taking the time to write this review! It was an honor and a pleasure to work with you on this transaction. We appreciate your partnership!
Heather and her team are very responsive, clear, and easy to work with. They always keep me updated and make the process smooth even if it is complex. I would highly recomend Heather and her team.
Reply from Heather Frye | The Frye Lending Tea...
July 15th, 2026 10:59 PM
Mendy, thank you so much for taking the time to write your review. We are so thankful for your trust and your continued partnership. We appreciate you and look forward to working together again soon!
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About
Heather Frye is a top-rated mortgage loan officer and local mortgage lender with New American Funding serving Fredericksburg VA, Stafford VA, Spotsylvania VA, Northern Virginia and borrowers across Virginia. With 20+ years of mortgage experience, Heather and the Frye Lending Team specialize in VA loans, FHA loans, conventional loans, jumbo loans, first-time homebuyer programs, investment property loans, DSCR loans, non-QM loans, self-employed borrowers, refinance loans and creative mortgage solutions. Looking for a mortgage lender in Fredericksburg or Stafford? Heather provides expert local guidance for homebuyers, homeowners and real estate investors.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
DSCR Loans
Cash-Out Refinances
Bank Statement Mortgages
Home Equity Conversion Mortgages(HECM)
Hard Money Fix and Flip Loans
Specialities
DSCR
First Time Homebuyers
VA Loans
Grant Programs
Credit Improvement Strategies
Construction to Perm Financing
FHA loans
Low Credit Scores
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Positions
- Summit Funding - Area LeaderSep 26th, 2023 - Mar 6th, 2026
- Movement Mortgage - Market LeaderOct 14th, 2011 - Sep 22nd, 2023
Memberships
- Chamber of Commerce - Fredericksburg VA
- Fredericksburg Area Builders Association
- Fredericksburg Area Association of Realtors
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2011
Time Zone
Pacific Standard Time (PST)
Licenses
- MLS 213439
- Florida MLO
- California MLO
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Achievements
- Silver Circle Virginia Housing Producer
- Best Mortgage Lender Finalist, Best of the 'Burg 2026
Hobbies
- Camping, Family Time, Sports
- LSU Football
- Farm Life
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Disclaimer
NMLS Consumer Access © 2026 New American Funding, LLC. All Rights Reserved.
NMLS ID#6606.
Corporate Office: 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. 800.450.2010
Licensing
NMLS ID#6606.
Corporate Office: 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. 800.450.2010
Licensing