Heather Frye Area Leader | Mortgage Loan Originator | NMLS #213439 Heather Frye is a mortgage lender, real estate professional, and real estate investor serving Fredericksburg, Stafford, Spotsylvania, King George, Caroline County, and surrounding Virginia communities. Since 1998, Heather has helped thousands of homebuyers, homeowners, veterans, self-employed borrowers, and real estate investors navigate the mortgage process and build long-term we...

Heather Frye

Area Leader | Mortgage Loan Originator | NMLS #213439

Heather Frye is a mortgage lender, real estate professional, and real estate investor serving Fredericksburg, Stafford, Spotsylvania, King George, Caroline County, and surrounding Virginia communities.

Since 1998, Heather has helped thousands of homebuyers, homeowners, veterans, self-employed borrowers, and real estate investors navigate the mortgage process and build long-term wealth through real estate ownership.

As Area Leader of the Frye Lending Team at New American Funding, Heather specializes in four primary lending categories:

VA Loans

Helping active-duty military members, veterans, and military families maximize their VA home loan benefits with competitive financing options and expert guidance.

First-Time Homebuyer Programs

Helping first-time buyers understand the homebuying process, explore down payment assistance programs, and confidently purchase their first home.

Self-Employed Borrower Mortgages

Providing mortgage solutions for business owners, entrepreneurs, freelancers, independent contractors, commission-based professionals, and 1099 borrowers who may not fit traditional lending guidelines.

DSCR Loans & Real Estate Investor Financing

Helping real estate investors finance rental properties using Debt Service Coverage Ratio (DSCR) loans and other investor-focused mortgage solutions designed to support portfolio growth.

In addition to her mortgage experience, Heather is a licensed real estate agent and active real estate investor. This unique perspective allows her to guide clients through both the financing and investment aspects of real estate ownership.

Heather's mission is simple: provide honest advice, clear communication, and strategic mortgage guidance that helps clients make confident financial decisions.

Whether you're buying your first home, using your VA benefits, qualifying as a self-employed borrower, or expanding your investment portfolio with DSCR financing, Heather and the Frye Lending Team are committed to helping you achieve your real estate goals.