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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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You all had great communication and helped make the process easy,
Reply from Heather Frye
March 10th, 2026 03:58 PM
Thank you Shane. We were honored to serve your family. Enjoy your new home!
Sure, call me ************
Reply from Heather Frye
March 10th, 2026 03:58 PM
Scott, I will give you a call. It is never easy when a loan officer leaves a company during a transaction and I apologize personally for that happening to you during your transaction. I am glad we were able to get your loan closed and appreciate...
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Getting us in a house. Working around all the loopholes to get us in.
Reply from Heather Frye
March 10th, 2026 03:58 PM
We are grateful that you took the time out to leave us a response. Please let us know how we could have helped you further to make sure we deliver exceptional services.
The whole team kept is updated theoighout the whole process
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.
Not panicking my clients the night before closing asking for a CD on their current home, which didn't need to be sold to purchase their new one. Why issue a clear to close days prior, and then say if they can't produce a CD it's going to delay...
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Reply from Heather Frye
March 10th, 2026 03:58 PM
Jamie, After your loan officer left the company, my team took over the file and did our very best to get everyone to the closing table. Under normal circumstances, this would not have happened however, being brought in at the very end of the...
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Great service, great communication, great experience!
Reply from Heather Frye
January 7th, 2026 09:01 PM
Thank you for the kind words! Great communication and a smooth mortgage experience are always priorities for us, and I’m glad that came through. I appreciate you taking the time to leave a review.
Great service, great communication, great experience!
Reply from Owner
January 7th, 2026 09:01 PM
Thank you for the kind words! Great communication and a smooth mortgage experience are always priorities for us, and I’m glad that came through. I appreciate you taking the time to leave a review.
Communication and the entire process was virtual.
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.
Heather Frye is the absolute BEST!!!
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.
Heather and her team are amazing! These folks are professional, friendly, trustworthy, and simply genuine people. My wife and I are truly blessed to be connected with this team. Heather, Beth, Abigail, and the remainder of the Summit Team are...
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Reply from Heather Frye
January 7th, 2026 09:02 PM
Thank you so much, Christopher, for such a thoughtful review. It truly means a lot to me and the entire team. We take great pride in providing clear guidance, customized mortgage options, and a smooth path to closing. I’m grateful for the trust...
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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