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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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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.
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!
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.
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!
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.
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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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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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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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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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
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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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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