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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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Working with Heather Frye and the Frye Lending Team was an absolutely outstanding experience from start to finish. Heather’s professionalism, communication, and attention to detail truly set her apart. She took the time to explain every step...
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Reply from Heather Frye
April 9th, 2026 08:40 PM
I truly appreciate your thoughtful review and recommendation, Austin. I'm glad to hear that my efforts to make the process as smooth and understandable as possible were beneficial to you. It's important to me that every client feels well-informed...
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Working with Heather Frye and the Frye Lending Team was an absolutely outstanding experience from start to finish. Heather’s professionalism, communication, and attention to detail truly set her apart. She took the time to explain every step...
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Reply from Owner
April 9th, 2026 08:40 PM
I truly appreciate your thoughtful review and recommendation, Austin. I'm glad to hear that my efforts to make the process as smooth and understandable as possible were beneficial to you. It's important to me that every client feels well-informed...
read more
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Rita M
Reply from Heather Frye | The Frye Lending Tea...
April 9th, 2026 07:13 PM
Ms. Rita, so thankful that we were able to help you with your mortgage. Thank you for your trust and the honor to serve your family.
Heather Frye | The Frye Lending Team has received a review with 5 star rating from Rita M
Reply from Owner
April 9th, 2026 07:13 PM
Ms. Rita, so thankful that we were able to help you with your mortgage. Thank you for your trust and the honor to serve your family.
I was kept up to date on everything that was happening. I could ask as many questions a possible and they were very patient and helpful.
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.
Heather assisted me with my home purchase and was such a pleasure to work with. She ensured I felt empowered and supported throughout the process, and was quick to offer guidance for each stage of the home purchase. I got consistent updates...
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Reply from Heather Frye | The Frye Lending Tea...
April 9th, 2026 07:14 PM
Abigail - thank you so much for allowing the Frye Lending team to help your family. You were one of our most favorite clients and we appreciate your trust and support always!
Heather assisted me with my home purchase and was such a pleasure to work with. She ensured I felt empowered and supported throughout the process, and was quick to offer guidance for each stage of the home purchase. I got consistent updates...
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Reply from Owner
April 9th, 2026 07:14 PM
Abigail - thank you so much for allowing the Frye Lending team to help your family. You were one of our most favorite clients and we appreciate your trust and support always!
I was young and “desperate” when purchasing my first home…was given 2 terrible loans to make it work and then the market crashed and I was upside down for years…Heather helped me refinance my home and I walked away with one manageable payment...
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Reply from Heather Frye
February 23rd, 2026 06:24 PM
Caroline, thank you so much for taking the time to review your experience. I appreciate your trust and the honor to serve you and your family. Thank you as well for referring friends to my team. We take great pride in the referral from our...
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Heather was absolutely fantastic to work with throughout the entire mortgage process. From start to finish, she was knowledgeable, responsive, and incredibly organized. She took the time to clearly explain every step, answer all of our questions,...
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Reply from Owner
February 23rd, 2026 06:26 PM
Matthew, it is our honor to serve you and your family. We appreciate your trust and also your loyalty in referring your friends and family to our team. I am grateful for the opportunity to help make the process efficient while providing the...
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Heather was absolutely fantastic to work with throughout the entire mortgage process. From start to finish, she was knowledgeable, responsive, and incredibly organized. She took the time to clearly explain every step, answer all of our questions,...
read more
Reply from Heather Frye
February 23rd, 2026 06:26 PM
Matthew, it is our honor to serve you and your family. We appreciate your trust and also your loyalty in referring your friends and family to our team. I am grateful for the opportunity to help make the process efficient while providing the...
read more
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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