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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 whole staff was always very helpful and pleasant. No one ever made me feel like I had a "stupid question". They made my home buying process easy. I will definitely recommend them to anyone I know looking to buy or sell a house.
Reply from Heather Frye
June 22nd, 2026 01:15 PM
Linda, thank you so much for taking the time to write your review. I am so glad we made your home buying process easy. We are so honored to be your chosen lending partner and wish you years of happiness in your new home!
Heather and her team were quick to respond to any calls made and very knowledgeable.
Reply from Heather Frye | The Frye Lending Tea...
May 27th, 2026 03:06 PM
Jennifer, thank you so much for trusting the Frye Lending Team with your clients. We were so thankful to host the first time homebuyer workshop with you and meet your client Nicole. So honored to help you both through the loan and to the closing...
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Heather & her team are top notch! They are extremely knowledgeable, thorough, and proactive! They've completed 3 moetgsge loans for me in the last year and I couldn't be more thrilled with their service. Any lender can process & produce your...
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Reply from Heather Frye | The Frye Lending Tea...
May 26th, 2026 03:32 PM
Shelley, My team and I are so grateful to serve you and your family. I know you have plenty of lenders at your service and we remain humbled and thankful that you choose us for your financing needs. We appreciate your trust and your loyalty....
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Very interactive with us and always willing to help
Reply from Heather Frye
May 22nd, 2026 08:35 PM
Thank you, Brittany, for your kind words. I'm glad to hear that you found my interactions helpful. If there's anything more I can do, please feel free to let me know.
Excellent experience from start to finish. The team was professional, responsive, and worked hard to keep everything on schedule during a very tight timeline. We truly appreciated the support and communication throughout the process. Highly...
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Reply from Owner
May 13th, 2026 02:39 PM
Zach, thank you so much for taking the time to leave a review. More importantly, thank you for allowing my team to serve your family in your homebuying journey. We are honored to be a part of this experience and wish you and your family the...
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Thank you so much for your professionalism, responsiveness, and efficiency throughout this process. We truly appreciate all of the hard work you put into getting our loan processed on such a tight timeline and helping ensure that our closing...
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Reply from Heather Frye
May 18th, 2026 01:51 PM
I'm grateful for your thoughtful review, Zachary and Jen. It means a lot to me that my professionalism and responsiveness helped make the process smoother for you. I'm pleased to have been able to support you in keeping your closing on schedule....
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You as always were great! In talking to client, a bit quicker response from Beth would have been helpful. I know things get busy but on more than once occassion, they advised they had not heard bnack from, her in a timely fashion in the early...
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Reply from Heather Frye | The Frye Lending Tea...
May 4th, 2026 04:31 PM
Brian thank you so much for the review. We appreciate your honest feedback and support as always. Your feedback is invaluable to our team. Thank you for trusting us with your clients and your continued partnership!
Heather and her team were great. They kept me updated throughout the entire process and assured me they had everything handled if any issues came up. Appreciate the entire team.
Reply from Heather Frye | The Frye Lending Tea...
April 30th, 2026 06:03 PM
We appreciate you! Thank you for once again trusting our team to help with your homebuying journey. We are wishing you and your family the very best with the move and chaos. We are here for you if you need us!
Heather and her team have been amazing to work with. A few different things came up during my transaction and they assured me everything would be fine and they had it figured out every time. I appreciate her team and all they hard work they...
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Reply from Owner
April 30th, 2026 06:03 PM
Brittany, I'm pleased to hear that you had a positive experience with my team and me. It's great to know that we could navigate the challenges and keep everything on track for you. Thank you for your kind words and appreciation!
I had a great experience working with Heather as the buyer’s agent. She did an excellent job communicating throughout the transaction and worked through multiple situations that arose with professionalism and efficiency. Heather consistently...
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Reply from Heather Frye | The Frye Lending Tea...
April 30th, 2026 06:04 PM
Thank you thank you thank you! We appreciate your partnership and collaboration throughout the process. You worked so hard to negotiate the best deal for the buyers and made sure to keep in touch through the entire transaction. We appreciate...
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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