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
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    William G L
    Lyndhurst, VA
    Posted on November 6th, 2023 11:14 PM
    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.
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    Hailey L
    Ruther Glen, VA
    Posted on September 3rd, 2023 12:02 PM
    Lovely service!
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    Christopher H
    Hilton Head Island, SC
    Posted on August 23rd, 2023 06:01 AM
    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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    Brian R
    Fredericksburg, VA
    Posted on July 28th, 2023 01:56 PM
    Communication was on point.
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    Melanie M
    Colonial Beach, VA
    Posted on June 2nd, 2023 10:01 AM
    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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    Gina R
    Isle of Palms, SC
    Posted on May 3rd, 2023 01:02 PM
    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.
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    Linda B
    Rotonda West, FL
    Posted on April 26th, 2023 07:47 PM
    Prompt responses and effective communication. We could always tell that she was "on our side!"
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    Christopher B
    Port Royal, VA
    Posted on February 12th, 2023 03:59 AM
    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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    Ayla A
    Posted on February 10th, 2023 05:09 PM
    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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    Ayla A
    Posted on February 10th, 2023 05:09 PM
    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
    What is the Search Rank Score®?
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    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