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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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Reviews from Web
The best agent in the Fredericksburg area you can work with. I have worked with Heather on all of our additions/construction loans for our home. It was the easiest and best experience anyone could ask for, I highly recommend Heather Frye and...
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Reply from Heather Frye
February 23rd, 2026 06:25 PM
Travis, Thank you so much for taking the time to review your experience with my team! It is truly our honor to help local families in Stafford with the huge financial impact of a mortgage loan. We appreciate the opportunity and your trust!
The best agent in the Fredericksburg area you can work with. I have worked with Heather on all of our additions/construction loans for our home. It was the easiest and best experience anyone could ask for, I highly recommend Heather Frye and...
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Reply from Owner
February 23rd, 2026 06:25 PM
Travis, Thank you so much for taking the time to review your experience with my team! It is truly our honor to help local families in Stafford with the huge financial impact of a mortgage loan. We appreciate the opportunity and your trust!
Excellent service and communication! For being a first time home buyer, Heathers team could not have made it any easier!
Reply from Heather Frye
March 10th, 2026 03:58 PM
Nicholas - we were so honored to help you and your family. The home is beautiful and we appreciate how quickly you provided documents and staying in touch with us throughout the process. Congratulations on your new home! Please send pics once...
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Communication is great! They were extremely helpful in getting a challenging deal closed!
Reply from Heather Frye
March 10th, 2026 03:58 PM
Thank you so much for working along side our team and helping to get us to the closing table. This one was a bit stressful but it all worked out for the buyers and was a huge blessing to their family!
Heather was wonderful with answering all my questions. She was very professional and helpful! I would definitely recommend this company to anyone that is needing a loan!
Reply from Heather Frye
March 10th, 2026 03:58 PM
Ashley, thank you for trusting our team to help you with your mortgage! There are a lot of options and we are honored to have served you and your family. Thank you for taking the time to complete the review as well. This is helpful to potential...
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Everything was smooth and quick settlement
Reply from Heather Frye
March 10th, 2026 03:58 PM
Kim, thank you for trusting our team for many years and many repeat transactions. Thank you also for the 5 star review. I appreciate the opportunity to help your family!
Absolutely the best team to work with, I was deterred from buying a house because of how stressful it was before being connected with Heather and her team. They took 100% of the stress away and made a aweful process enjoyable. Heather and her...
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Reply from Heather Frye
January 7th, 2026 08:58 PM
Thank you so much for the kind words. I’m glad the mortgage process felt clear and manageable. Helping buyers make confident lending decisions is always my goal, and I truly appreciate you taking the time to share your experience. We can't...
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Absolutely the best team to work with, I was deterred from buying a house because of how stressful it was before being connected with Heather and her team. They took 100% of the stress away and made a aweful process enjoyable. Heather and her...
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Reply from Owner
January 7th, 2026 08:58 PM
Thank you so much for the kind words. I’m glad the mortgage process felt clear and manageable. Helping buyers make confident lending decisions is always my goal, and I truly appreciate you taking the time to share your experience. We can't...
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The communication, kindess, knowledge, and patience was truly out of this world!
Reply from Heather Frye
March 10th, 2026 03:58 PM
Congratulations on this big life decision! We hope to work with you again in the future.
The best communication you could possibly ask for in a lending company!
Reply from Heather Frye
January 7th, 2026 09:01 PM
Thank you so much for the kind words. Clear and consistent communication is a top priority for us, and I’m glad the lending process felt smooth and well supported. I truly appreciate the opportunity to help and your taking the time to leave...
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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