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
  • google
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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 Owner
    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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  • Encompass
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    Holton R C
    Ruther Glen, VA
    Posted on December 19th, 2025 04:00 PM
    Communication during the whole process if what made a difference. If I had a question I always knew that I would have that answer within the day or at least the next business morning, max. That's not something that your run into often.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much for trusting us with such an important step! We are honored that you chose us as your team.
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    Laura M
    Posted on December 15th, 2025 03:58 PM
    Heather Frye | The Frye Lending Team has received a review with 5 star rating from Laura M
    Reply from Heather Frye
    January 7th, 2026 09:01 PM
    Thank you so much for taking the time to leave a review, Laura. I truly appreciate your trust and the opportunity to help. Providing clear guidance and a positive lending experience is always our goal.
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    Laura M
    Posted on December 15th, 2025 03:58 PM
    Heather Frye | The Frye Lending Team has received a review with 5 star rating from Laura M
    Reply from Owner
    January 7th, 2026 09:01 PM
    Thank you so much for taking the time to leave a review, Laura. I truly appreciate your trust and the opportunity to help. Providing clear guidance and a positive lending experience is always our goal.
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    Laura M
    Ruther Glen, VA
    Posted on December 15th, 2025 03:58 PM
    It was a smooth transaction. The communication between all parties was pleasant and timely. Altogether a great team to work with.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much - it was a pleasure working with you Laura!
  • Encompass
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    Gay E C
    Orange, VA
    Posted on November 10th, 2025 12:36 PM
    Helpfulness and great communication
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you for leaving a review. If there is anything that we can do to make sure you are receiving a 5-star experience, please let us know.
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    Megan L M
    Posted on November 7th, 2025 02:00 PM
    Heather Frye | The Frye Lending Team has received a review with 5 star rating from Megan L M
    Reply from Heather Frye
    January 7th, 2026 09:01 PM
    Thank you, Megan! I really appreciate you sharing your experience. It means a lot to know the process felt smooth and well supported from start to finish.
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    Megan L M
    Posted on November 7th, 2025 02:00 PM
    Heather Frye | The Frye Lending Team has received a review with 5 star rating from Megan L M
    Reply from Owner
    January 7th, 2026 09:01 PM
    Thank you, Megan! I really appreciate you sharing your experience. It means a lot to know the process felt smooth and well supported from start to finish.
  • Encompass
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    Tyler L
    Midlothian, VA
    Posted on November 7th, 2025 02:00 PM
    Heather has always been super responsive and fast when working with her.
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you for putting your trust in us! It was our pleasure to assist you throughout the process.
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    J
    Jesse S
    Linville, VA
    Posted on November 4th, 2025 02:28 AM
    The team members really helped and supported me the whole time anything i I needed gelp help with they were able to assist me it was a amazing experience
    Reply from Heather Frye
    March 10th, 2026 03:58 PM
    Thank you so much for trusting us with such an important step! We are honored that you chose us as your team.
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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