Heather Frye | The Frye Lending Team's Cover Image
Heather Frye | The Frye Lending Team - Area Manager in Fredericksburg, VA
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Heather Frye | The Frye Lending Team

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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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    Sheri R
    Posted on May 30th, 2024 02:21 PM
    Heather Frye | The Frye Lending Team has received a review with 5 star rating from Sheri R
    Reply from Owner
    May 30th, 2024 02:31 PM
    Thank you for your 5-star rating, Sheri! We're delighted to have met your expectations. We're here to help if you need anything in the future.
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    Sheri A R
    Orange, VA
    Posted on May 30th, 2024 02:20 PM
    Heather and Rachel were very helpful, quick to respond and pleasent to work with.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you for trusting our team with your home loan! You were a pleasure to work with Sheri!
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    Danielle S
    Fredericksburg, VA
    Posted on May 7th, 2024 12:42 PM
    Very helpful. Answered all our questions.
    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.
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    Mark B
    Posted on May 4th, 2024 05:09 PM
    Heather is always on top of things and makes it easy. I've done several deals with her, she is just the best!!!
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thanks Mark, for trusting our team to help you with your mortgage loan! We appreciate your support!
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    Jeremy S
    Fredericksburg, VA
    Posted on May 4th, 2024 12:37 PM
    The whole process was quick and easy! No constant back and forth emails to gather information.
    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.
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    Eduardo V
    Skippers, VA
    Posted on April 23rd, 2024 01:38 AM
    Superb job with Heather and Lealie Team.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much for your wonderful review and stellar rating, Eduardo. I'm thrilled to hear you had a superb experience with us at Summit Funding Inc. It was my pleasure to assist you throughout this process. I'll be sure to pass on your...
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    Virginia H
    Locust Grove, VA
    Posted on April 22nd, 2024 01:47 AM
    The BEST TEAM! A group of people that truly care about helping others achieve homeownership. Very thankful for the amazing realtor recommendation from Heather as well! Incredibly kind, professional, understanding and all around the best at...
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    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much, Virginia, for the glowing review and the perfect rating. I'm thrilled that you found our team to be the best and that we could assist you in achieving homeownership. Your kind words have truly made our day. We always aim...
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    Josafat D B
    Locust Grove, VA
    Posted on April 18th, 2024 03:34 PM
    Thank you for taking on our challenges in such a short time! The experience has been a pleasure!
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    I'm so pleased to hear that you had a positive experience, Josafat! At The Frye Lending team, we strive to take on any challenge and make the process as seamless as possible for our clients. Your feedback is greatly appreciated, and it was...
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    Brian C
    Fredericksburg, VA
    Posted on April 9th, 2024 01:14 PM
    Consistently responsive and professionalism that is unmatched. Heather and her team are always on top of things in an industry where timing is critical and can oftentimes make the difference between getting a deal and losing out. My lender...
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    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    I'm sincerely touched by your kind words, Brian. It's always our top priority to ensure swift and professional service, especially given how crucial timing is in our industry. To hear that my team and I could make such a positive impact on...
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    Kimberly R B
    Fredericksburg, VA
    Posted on April 8th, 2024 12:43 PM
    Timely responses and thorough research to get the best rates
    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.
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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
    What is the Search Rank Score®?
    Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
    Positions
    • Summit Funding - Area Leader
      Sep 26th, 2023 - Mar 6th, 2026
    • Movement Mortgage - Market Leader
      Oct 14th, 2011 - Sep 22nd, 2023
    Memberships
    • Chamber of Commerce - Fredericksburg VA
    • Fredericksburg Area Builders Association
    • Fredericksburg Area Association of Realtors
    • View All
    Addresses and Serving Areas

    Year Started

    2011

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • MLS 213439
    • Florida MLO
    • California MLO
    • View All
    Gallery
    Heather Frye | The Frye Lending Team - Gallery Photo
    Heather Frye | The Frye Lending Team - Gallery Photo
    Heather Frye | The Frye Lending Team - Gallery Photo
    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