HomeBuy a home
Your home. Your goals. Your financing plan.

There’s More Than One Way to Finance a Home.

The right mortgage isn’t just about finding a rate. It’s about understanding what you’re trying to accomplish and building the financing around it.

Looking for the complete guides?

Start with our Stafford living guide, VA and military guide, or browse all five cornerstone guides.

EXPLORE MY OPTIONSCompare loan scenariosAPPLY NOW
Start with a practical plan

Before choosing a mortgage, review your comfortable monthly payment, available cash, the property you want to buy and your timeline. Compare the full housing payment and closing costs, then explore financing that fits your situation.

Start with the goal

What are you trying to accomplish?

Start with the goal. We’ll help with the mortgage strategy.

Plan your next move

Buy without waiting to sell

Compare eligible NAF Cash, bridge, or equity strategies alongside the cost of carrying both homes.

Explore this goal
Use what you have built

Turn home equity into buying power

Explore ways your current equity may fit into the next purchase, with a clear repayment plan.

Explore this goal
Invest with intention

Build or expand my real estate portfolio

Compare conventional and DSCR options with the property, rental income, and portfolio goals in view.

Explore this goal
Make your income make sense

My income doesn’t fit neatly on a W2

Understand traditional and alternative ways eligible business owners and self employed borrowers document income.

Explore this goal
Put your benefit in context

Use my VA benefits strategically

Discuss entitlement, occupancy, existing VA loans, and your next military or civilian move.

Explore this goal
See the potential

Buy a home that needs work

Connect the improvement plan with eligible renovation financing before you make assumptions about repairs.

Explore this goal
Compare your options

Find the smartest way to finance my purchase

Compare available paths against your payment, cash, property, and timeline instead of picking a program first.

Explore this goal
Start where you are

I have a situation that doesn’t fit neatly in a box

Start with a conversation. You do not have to know the solution before you ask the question.

Explore this goal

Choose a tile to carry your goal into a short conversation request. Your details are saved when you choose Save Contact & Continue. Use the separate secure application when you’re ready to apply.

25+ years in the mortgage industry

Mortgage strategy backed by real experience.

I’m Heather Frye, a lifelong Stafford County resident, Stafford High graduate, and local real estate investor. I started in the mortgage industry in 1998 and began originating loans in 2002. I bring that lending experience and my own investment perspective to the conversation.

Meet the team

Not just a loan program. A plan.

The purchase price, payment, cash needed, property, and next step all belong in the same conversation.

Talk through my plan

Begin with a comfortable housing budget

Start with the amount you want to spend each month, not just the maximum loan amount you might qualify for. Include taxes, homeowners insurance, mortgage insurance when applicable, association dues, utilities, maintenance, and other obligations.

Separate your cash needs

Your down payment is only one piece. Closing costs, prepaid expenses, escrow funding, moving expenses, and a financial cushion can all matter. Discuss the source of funds before moving money or making deposits that may need to be documented.

Review before you write the offer

A financing review can help you understand the range and terms to discuss with your real estate agent. The specific property, contract, appraisal, and final underwriting still matter. Preapproval is not a guarantee of final approval.

Choose the property with the financing in mind

Condition, occupancy, unit count, association details, and intended use can affect the available options. A property needing major repairs or a home intended as a rental may need a different path than a primary residence in move in condition.

Keep exploring

All financing options First time buyer guide Payment calculator Buying process Living in Stafford
More than a mortgage

Buying, Living & Financing a Home in Stafford County, Virginia

Discover what makes Stafford County a place to call home. From local communities and lifestyle insights to homebuying tips and mortgage financing options, explore helpful resources to guide your next move with confidence.

Explore Stafford County

The place matters, too.

Commutes, property details, schools, local costs and everyday routines all belong in the conversation.

Browse all local living guides
Understand the possibilities

Find a financing path that fits your situation.

Compare options with the property, your goals, and the complete cost in mind. Eligibility and program availability require a specific review.

Conventional

Compare conventional financing with the property, down payment, mortgage insurance and full payment in view.

Explore Conventional

FHA

Understand FHA eligibility, property requirements and mortgage insurance before comparing your options.

Explore FHA

VA

Explore VA loan eligibility, entitlement, funding fees, and ways to use your benefit for your next home.

Explore VA

HELOC and home equity

Explore eligible equity options with a clear repayment plan and an understanding of the risks to your home.

Explore HELOC and home equity

Non QM

Explore alternative documentation for eligible borrowers whose income or circumstances need a different review.

Explore Non QM

Jumbo

Review financing above applicable conforming limits, with program specific credit, reserve and property requirements.

Explore Jumbo

Renovation

Connect the purchase and approved improvements with eligible financing and a documented project plan.

Explore Renovation

USDA

Check both the property and household requirements for eligible USDA financing.

Explore USDA

DSCR loans

Explore eligible rental property financing that focuses on rental cash flow, with other underwriting requirements.

Explore DSCR loans
Put the questions into numbers

Compare the mortgage, not just the rate.

Try different assumptions, then ask which costs and program rules apply to your actual transaction.

Built into this review

Repayment Calculator

Explore an estimated fixed rate monthly payment with your own price, down payment, rate, taxes, insurance, association dues and monthly mortgage insurance.

Compare Payments
Built into this review

Compare two loan options

Compare two fixed rate scenarios, including upfront cash, financed fees, monthly costs, remaining debt and your expected time horizon.

Compare mortgage scenarios
Your actual scenario

Talk through the real numbers

A calculator illustration is not a rate offer, APR, approval or program recommendation. Compare the actual written loan terms with Heather.

Schedule a conversation

Original mortgage calculators

The repayment, comparison, purchase and renovation, and DSCR tools are original calculators built into this review. Do not use an illustration as a loan quote or eligibility decision.

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Check out the other mortgage calculators

Built into this review

DSCR Investor Calculator

Explore a rental income to debt service illustration. Qualification ratios and actual profitability are different questions.

Open dscr investor calculator
Benefit and cost guidance

VA payment planning

Understand entitlement, applicable funding fees and total housing costs. The old VA calculator URL now opens the VA guide, so use the guide and discuss your actual numbers.

Explore VA Loans
Side by side

Try your mortgage comparison.

Compare two fixed rate scenarios using your own assumptions. Review cash, remaining debt and modeled costs together.

Open the mortgage comparison calculator

Compare two fully amortizing fixed rate scenarios, including cash needed, principal repaid and remaining debt. A smaller payment alone is not a lower total cost.

Educational illustration only. Not a rate quote, APR, Loan Estimate, approval, eligibility decision or loan commitment. All amounts are in U.S. dollars. Enter your own assumptions; zeros omit costs, they do not mean a cost does not apply.

Use the same horizon for both scenarios, no longer than either loan term. 60 payments = 5 years.
Scenario A
Purchase amounts
Enter your own fixed rate assumption. This is not APR or an offered rate.
Enter only lender confirmed financeable fees. Do not also enter them as cash fees.
Include costs such as points and closing fees. Exclude down payment, escrow deposits and prepaid recurring bills to avoid double counting.
Manual input, not a program calculation. Assumed constant through the modeled period; no automatic cancellation.
Include any required flood or other property coverage.
Scenario B
Purchase amounts
Enter your own fixed rate assumption. This is not APR or an offered rate.
Enter only lender confirmed financeable fees. Do not also enter them as cash fees.
Include costs such as points and closing fees. Exclude down payment, escrow deposits and prepaid recurring bills to avoid double counting.
Manual input, not a program calculation. Assumed constant through the modeled period; no automatic cancellation.
Include any required flood or other property coverage.

These calculator scripts run in your browser. They do not send or save your entries.

Enter your assumptions, then calculate to see the illustration.

Understand the comparison and its limits

This is a fixed rate model, not a full adjustable rate mortgage (ARM), temporary buydown, interest only, balloon or refinance model. It assumes regular monthly payments, unchanged rates and unchanged monthly costs, with no extra payments or missed payments.

Down payment and principal repayment are not borrowing costs. Financed fees are counted once as costs and also increase the debt. Modeled financing cost equals interest paid, cash fees, financed fees and mortgage insurance. Modeled non equity cost adds the entered property taxes, homeowners insurance and association dues.

For purchase scenarios, estimated equity equals unchanged purchase price minus remaining debt. Cash paid through the horizon minus that equity equals modeled non equity cost. The direct loan amount mode does not estimate property equity or a down payment. Different prices or starting loan amounts are not an like for like comparison; the tool does not declare a winner or promise savings.

Upfront cash shown is down payment plus cash fees only, not a cash to close disclosure. The model excludes credits, escrow deposits, prepaid interest, tax effects, appreciation, investment returns on cash, sale or refinance costs, prepayment penalties, maintenance and utilities. It is not a break even analysis. Ask your lender about any fee you may finance and about mortgage insurance changes.

Definitions and further reading: CFPB: payment components · CFPB: loan costs and principal

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

DISCLOSURE: Numbers shown constitute an estimate and are provided for illustrative and educational purposes only. The calculations provided, which may include the displayed interest rates, total cost of the mortgage, and monthly payment amounts, are estimates based on data entered by the user. The amounts displayed are not guaranteed, and what you actually pay may be different, as your mortgage payment and interest rate will depend on factors like your mortgage product, collateral, and credit history. Additional taxes, insurance, and other fees or charges may apply. Results do not reflect all loan programs and are subject to individual program loan limits. This does not constitute an offer for a mortgage or refinance and is not a commitment to lend, nor is it an advertisement for the above interest rate, loan terms, or payment. Contact a Loan Officer for assistance.

Keep in mind that while this calculator provides a comprehensive comparison, your actual costs may vary based on your specific circumstances, credit score, and local market conditions. It's always recommended to consult with a mortgage professional for personalized advice.

Heather Frye in her signature black blazer and glasses
Heather Frye · NMLS #213439

Straight talk. Smart strategies. A real connection.

With more than two decades in the mortgage and real estate industry, I help homebuyers, homeowners and investors think through their next move. For me, this business is about more than a loan. It’s about understanding what you want real estate to do for your life.

I joined the mortgage industry in 1998, began originating loans in 2002, and bought my first home as a single mom in 2007. Today, I manage my own investment properties and bring that firsthand perspective to the financing conversation.

Outside work, I’m a mom of three. My husband and I manage our family businesses, including FXBG Print, and enjoy time outdoors with our dogs, goats and pigs.

I believe in straight talk, smart strategies, and relationships that last far beyond the closing table. Let’s make your next move a thoughtful one, together.

25+ Years of Mortgage Experience | Licensed in 11 States | Homebuyers + Investors

The current New American Funding profile lists VA, MD, DC, WV, TN, PA, NC, SC, FL, TX and CA. Verify current licensing and program availability for the property.

Get to know HeatherAPPLY NOW

Let’s build your plan.

Tell me what you’re trying to accomplish. We’ll start there.

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Before your next move

Your purchase questions, answered.

Do I need to choose a loan program before we talk?
No. Start with your goals, comfortable payment, available cash, property and timeline. The available financing paths depend on your complete situation.
Does preapproval guarantee final loan approval?
No. The property, contract, appraisal, documentation and final underwriting still matter. Keep the loan team informed about changes while the loan is being reviewed.
Is my down payment all the cash I need?
No. Closing costs, prepaid expenses, escrow funding, moving costs and a financial cushion can also matter. Discuss the source of funds before making transfers or deposits that may need documentation.
Can I buy before selling my current home?
There may be eligible cash, bridge or equity strategies to compare. The cost of carrying both homes, repayment plan, eligibility and transaction terms need a specific review.