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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Reviews from Web
  • Encompass
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    Courtney S B
    Unionville, VA
    Posted on April 4th, 2024 12:50 PM
    They made a complex transaction seem simple.
    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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    Benjamin J B
    Unionville, VA
    Posted on April 2nd, 2024 01:10 PM
    I’ve never had an easier loan experience. Thanks so much!
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you for putting your trust in us! It was our pleasure to assist you throughout the process.
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    Theodore S
    Louisa, VA
    Posted on March 31st, 2024 01:46 PM
    Summit, Chad and Heather worked really hard to make this loan happen. It was great working with a team that cares about the buyers and will jump over the necessary hurdles to get a loan approved. 5 star service.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much for your kind words, Theodore. We really appreciate you taking the time to share your experience with us. We count ourselves lucky to have customers like you. We look forward to working with you again in the future!
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    Jeanine M S
    Fredericksburg, VA
    Posted on March 9th, 2024 06:11 PM
    Easy communication, very quick response 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.
  • Encompass
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    Keshawn M H
    Leesburg, VA
    Posted on December 21st, 2023 01:47 PM
    Heather Frye, single handedly instilled confidence, kept me knowledgeable , was very professional, and overall made this an enjoyable experience. This was my first time buying a home or going through any process like this. I would recommend...
    read more
    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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    John H G
    Fredericksburg, VA
    Posted on December 16th, 2023 04:25 PM
    Extremely responsive to our questions and concerns!
    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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    Teara C C
    Stafford, VA
    Posted on December 4th, 2023 06:37 PM
    Great communication and answered all of our questions
    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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    Ashley H
    Fredericksburg, VA
    Posted on December 4th, 2023 03:02 PM
    Quick response times, explained things well
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you for leaving a review. If there is anything that we can do to make sure you are receiving a 5-star experience, please let us know.
  • Encompass
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    Darrin A C
    Stafford, VA
    Posted on December 4th, 2023 02:09 PM
    Responsive reps, explanation of the steps through the videos. The webpage and app made signing documents easy.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much for trusting us with such an important step! We are honored that you chose us as your team.
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    Joshua M
    Fredericksburg, VA
    Posted on November 21st, 2023 01:49 PM
    The process was easy and great service.
    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
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    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