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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  • Encompass
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    Shane H
    King George, VA
    Posted on October 18th, 2025 12:32 AM
    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!
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    Scott B
    Dexter, ME
    Posted on October 3rd, 2025 01:47 PM
    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...
    read more
  • Encompass
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    Zachery S L
    Louisa, VA
    Posted on October 1st, 2025 08:16 PM
    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.
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    Daniel W T
    Myrtle Beach, SC
    Posted on September 26th, 2025 09:07 PM
    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.
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    Jamie L
    New Smyrna Beach, FL
    Posted on June 1st, 2025 12:44 AM
    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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    M G
    Posted on April 4th, 2025 01:35 PM
    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.
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    M G
    Posted on April 4th, 2025 01:35 PM
    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.
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    Ceroma G
    Stafford, VA
    Posted on April 4th, 2025 01:33 PM
    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.
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    Melissa S
    Fredericksburg, VA
    Posted on April 3rd, 2025 02:14 AM
    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.
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    Christopher B
    Posted on April 2nd, 2025 01:19 AM
    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...
    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
    • View All
    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