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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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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
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
Heather and her team are awesome, professional, friendly, and handle refinances and new mortgage loans with ease. I have completed a refinance in the past and then a new home loan with this team without any issues. Their process is easy, quick,...
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Heather and her team are awesome, professional, friendly, and handle refinances and new mortgage loans with ease. I have completed a refinance in the past and then a new home loan with this team without any issues. Their process is easy, quick,...
read more
Heather and her team are awesome, professional, friendly, and handle refinances and new mortgage loans with ease. I have completed a refinance in the past and then a new home loan with this team without any issues. Their process is easy, quick,...
read more
Heather and her team are awesome, professional, friendly, and handle refinances and new mortgage loans with ease. I have completed a refinance in the past and then a new home loan with this team without any issues. Their process is easy, quick,...
read more
Heather was extremely thorough and knowledgeable about what options best suited my needs and the process was super smooth!
Heather Frye was very helpful and knowledgeable and was always prompt in responding if we had any questions. She and her team made everything go smoothly and easy . She was always pleasant and I would recommend her to anyone seeking mortgage...
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Heather's team, especially Leslie, are thorough, skilled and a joy to work with. This is our second home with the team, and I do not imagine our last.
Thank you!
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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