Heather Frye | The Frye Lending Team's Cover Image
Heather Frye | The Frye Lending Team - Area Manager in Fredericksburg, VA
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Heather Frye | The Frye Lending Team

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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
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    Travis S
    Posted on February 20th, 2026 06:55 PM
    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!
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    Travis S
    Posted on February 20th, 2026 06:55 PM
    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...
    read more
    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!
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    Nicholas C B
    Culpeper, VA
    Posted on February 11th, 2026 03:16 PM
    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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    Denell N
    New Wilmington, PA
    Posted on January 28th, 2026 06:38 PM
    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!
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    Ashley L
    King George, VA
    Posted on January 27th, 2026 12:13 AM
    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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    Kimberly W
    Ruther Glen, VA
    Posted on January 10th, 2026 02:45 PM
    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!
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    Denny H
    Posted on December 31st, 2025 01:07 PM
    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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    Denny H
    Posted on December 31st, 2025 01:07 PM
    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...
    read more
    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...
    read more
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    Rafaela D
    Urbanna, VA
    Posted on December 20th, 2025 01:54 PM
    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.
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    Holton C
    Posted on December 19th, 2025 04:01 PM
    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...
    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
    What is the Search Rank Score®?
    Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
    Positions
    • Summit Funding - Area Leader
      Sep 26th, 2023 - Mar 6th, 2026
    • Movement Mortgage - Market Leader
      Oct 14th, 2011 - Sep 22nd, 2023
    Memberships
    • Chamber of Commerce - Fredericksburg VA
    • Fredericksburg Area Builders Association
    • Fredericksburg Area Association of Realtors
    • View All
    Addresses and Serving Areas

    Year Started

    2011

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • MLS 213439
    • Florida MLO
    • California MLO
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    Gallery
    Heather Frye | The Frye Lending Team - Gallery Photo
    Heather Frye | The Frye Lending Team - Gallery Photo
    Heather Frye | The Frye Lending Team - Gallery Photo
    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