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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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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.
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.
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!
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.
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...
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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.
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.
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.
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.
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.
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
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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