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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 a very hard working and dedicated mortgage professional. She helped me refinance my home and save over $300 per month in my payment. She is responsive and communicated with me throughout the process. The whole transaction only took...
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Heather is excellent, no awesome is a better word. She is a True Profossional. Her work ethic is unmatched by others in her field. She is capable of anticipating any and all needs regarding your loan packet. She is definitley a skilled people...
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My experience with Heather was very pleasent. We were purchasing a HAP home and it was a new experience for us, but she was very knowledgable and helpful. I would highly reccomend her!
I was very pleased in working with Heather . She was very responsive to my clients needs.Kept in touch with them so that they knew exactly what was happening with their loan application. and made my clients feel very comfortable in the whole...
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Heather takes great pride in being knowledgeable on the most up to date changes occurring, or soon to be occurring, in the mortgage loan business, which reflects in each and every transaction she is working on. Heather, hands down, has always...
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Heather is an outstanding loan officer and I highly recommend her. She has opened my eyes to many aspects of the business and she is always eager to to find solutions. Her reassuring and friendly outlook always lead to positive results. I am...
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The best part of working with Heather was her response times. She always answers her phone!!! That is so important to me. If she was unavailable, she always called me back promptly.She is a true professional and helped make my homebuying experience...
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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