Heather Frye Area Manager

Mortgage Lender & Real Estate Expert in Fredericksburg & Northern Virginia

With over 25 years of experience in the mortgage and real estate industry, I’ve helped thousands of families, first-time homebuyers, real estate investors, and veterans successfully buy, refinance, and build wealth through real estate across Virginia.

In 2026, I was voted a finalist for Best Mortgage Lender in the "Best of the 'Burg" contest, a reflection of the trust, relationships, and results I’ve built within the Fredericksburg community.

I specialize in helping:

• First-time homebuyers navigate the process with confidence
• Veterans and active-duty military maximize their VA loan benefits
• Real estate investors build and scale profitable portfolios
• Buyers and homeowners make smart, long-term financial decisions

This isn’t just my profession — it’s personal.

As the daughter and granddaughter of proud U.S. military servicemen (Army and Air Force), I have a deep respect for those who have served. Helping veterans and military families understand and fully leverage their VA loan benefits is one of the most meaningful parts of my work.

I began my career in the mortgage industry in 1998 and purchased my first home as a single mom in 2007. That experience shaped how I serve my clients today — with honesty, strategy, and real-world perspective.

Today, I’m a licensed mortgage lender and real estate professional, as well as an active real estate investor managing a growing portfolio of residential properties. I don’t just teach real estate — I live it every day.

My clients choose me because I:

• Break down the mortgage process in simple, real-life term
• Build loan strategies around your long-term wealth goals
• Understand both lending and real estate from an investor’s perspective
• Stay ahead of market trends to protect your buying power

Whether you're buying your first home, using a VA loan, refinancing, or investing in real estate, I help you make confident, financially sound decisions.

Outside of work, I’m a mom of three, a business owner alongside my husband at FXBG Print, and someone who believes in building a life — not just closing loans.

You’ll usually find me managing properties, creating content to educate buyers and investors, or outside with our dogs, goats, and pigs enjoying farm life.

I believe in straight talk, smart strategies, and relationships that last long after the closing table.

If you're looking for a trusted mortgage lender in Fredericksburg or Northern Virginia — especially for VA loans, first-time homebuyer programs, or real estate investing — you're in the right place.

Let’s make your next move the right one — together.

Licensed in 11 states: VA, MD, DC, WV, TN, PA, NC, SC, FL, TX, CA