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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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The assistance provided, the expertise and professionalism and the frequency of communication was perfect!
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.
Lovely service!
We have used Heather Frye and her team 3 times over the last 4 years and they are efficient, communicative , extremely informed, and always do a top notch job. All of our loans have been VA Loans and they have all closed within 30 days and...
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Communication was on point.
Heather and Leslie were wonderful with working with all the obstacles we had going into this mortgage and they handled everything with professionalism and perseverance. This wasn’t an easy situation but my husband and I felt they were very...
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Heather and her team worked so hard for us to enable us to meet a quick closing deadline. They guided us through each step of the process and made it easy and relatively painless.
Prompt responses and effective communication. We could always tell that she was "on our side!"
Heather Frye and her team are great to work with and make the process as painless as possible. I honestly trust Heather and realize that she is a true professional, smart, and full of integrity. I will always go with Heather when it comes to...
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You guys made this whole process such a dream! This is our very first home so we came into this not really knowing what to do, with the help of Leslie and Heather - it was very simple! Thank you guys again for everything, we are very happy...
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You guys made this whole process such a dream! This is our very first home so we came into this not really knowing what to do, with the help of Leslie and Heather - it was very simple! Thank you guys again for everything, we are very happy...
read more
Reply from Owner
June 27th, 2026 11:47 AM
Congratulations on your new home! Thank you for choosing our team to serve your family!
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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