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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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Heather is our go to both personally and professionally. She is sharp, savvy and doesn't waste ones time. She has a very solid business mind and puts the clients needs above any deal. We take comfort in knowing that she genuinely looks out...
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Heather is our go to both personally and professionally. She is sharp, savvy and doesn't waste ones time. She has a very solid business mind and puts the clients needs above any deal. We take comfort in knowing that she genuinely looks out...
read more
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Kimberly G
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Kimberly G
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Kimberly G
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Kimberly G
Buyers beware !!!We thought buying a home would be fun but a nightmare. First of all the communication is awful with this company. They rarely answer your calls and txt messages as well. They rarely tell you the truth about what's going on...
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Reply from Owner
January 9th, 2026 08:23 AM
Mr. Green, I am sorry you did not have a good experience with your lender. However, I was not your lender and your review is not a reflection of my business. I hope you will consider removing your review and leaving the review on the correct...
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Heather Frye | The Frye Lending Team has received a review with 5 star rating from Sharon C
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Sharon C
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Sharon C
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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