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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 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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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.
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.
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.
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!
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.
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.
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.
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.
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
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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