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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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Reviews from Web
Smooth process great communication everything right on time
Reply from Heather Frye
February 13th, 2025 07:33 PM
Thank you Izmir! It was an honor to serve you! Congratulations on your new home!
Smooth process great communication everything right on time
Reply from Owner
February 13th, 2025 07:33 PM
Thank you Izmir! It was an honor to serve you! Congratulations on your new home!
Smooth process great communication everything right on time
Reply from Heather Frye
March 10th, 2026 03:58 PM
Congratulations on this big life decision! We hope to work with you again in the future.
Absolutely fantastic experience with the Frye Team! Trustworthy, reliable, responsive, and personable services and products. 10/10 Would recommend!!
Reply from Heather Frye
February 13th, 2025 07:34 PM
Pete, Thank you for your service to our country. Additionally, we appreciate your trust and your business. It was our honor to serve you and your family!
Absolutely fantastic experience with the Frye Team! Trustworthy, reliable, responsive, and personable services and products. 10/10 Would recommend!!
Reply from Owner
February 13th, 2025 07:34 PM
Pete, Thank you for your service to our country. Additionally, we appreciate your trust and your business. It was our honor to serve you and your family!
Absolutely fantastic experience with the Frye Team! Everything you could ever hope for in a lender. Trustworthy, reliable, and responsive personalized services and products. 10/10 Would recommend!!
Reply from Heather Frye
March 10th, 2026 03:58 PM
Hi Peter, thank you for such a glowing review! I'm thrilled to hear that you had a fantastic experience with our team at The Frye Lending Team. Your kind words regarding our trustworthiness, reliability, and personalized services mean a lot...
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Heather's team was amazing, I was updated every step of the way
Reply from Heather Frye
March 10th, 2026 03:58 PM
Thank you for your positive feedback. We’re happy to hear that you had a great experience with us.
I had an incredible experience working with this amazing team! Their dedication, efficiency, professionalism, and attention to detail made the lending process smooth and stress-free. They kept me informed every step of the way, and truly went...
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Reply from Heather Frye
November 26th, 2024 04:09 PM
Thank you so much! It was our honor to serve you! We look forward to working together in the future.
I had an incredible experience working with this amazing team! Their dedication, efficiency, professionalism, and attention to detail made the lending process smooth and stress-free. They kept me informed every step of the way, and truly went...
read more
Reply from Owner
November 26th, 2024 04:09 PM
Thank you so much! It was our honor to serve you! We look forward to working together in the future.
I had an incredible experience working with this amazing team! Their dedication, efficienc, professionalism, and attention to detail made the lending process smooth and stress-free. They kept me informed every step of the way, and truly went...
read more
Reply from Heather Frye
March 10th, 2026 03:58 PM
LeighAnn, Thank you so much for trusting us with your client! We appreciated your dedication and knowledge during our transaction. We hope to stay connected and serve the community again together in the future!
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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
Eastern Standard Time (EST)
Licenses
- MLS 213439
- Florida MLO
- California MLO
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Gallery



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