A mortgage person.
A real estate investor.
A local perspective.
I’m here to help you understand what your financing choices mean before you make a big decision.
Let’s talk about what you want to do.
I’m a lifelong Stafford County resident and Stafford High graduate. As the daughter of an Army veteran, helping military families buy here is personal to me.
I started in the mortgage industry in 1998 and began originating loans in 2002. I work with homebuyers, homeowners, and real estate investors who want to understand their options before choosing a path.
As a real estate investor myself, I know the financing decision reaches beyond the closing date. The property, cash needed, ongoing payment, and next step all belong in the same conversation.
Whether your situation is straightforward or more complicated, start with the goal. We can work through the questions from there.
I’m also a mom of three. My husband and I manage our family businesses, including FXBG Print. My own experience as a homeowner, business owner and real estate investor shapes the questions I bring to every financing conversation.
- Home purchase and refinance conversations
- Rental investments and alternative documentation
- Assumable mortgage and renovation planning
Connect with Heather
Recognition
- 2026 Best of the ’Burg finalist, Mortgage Lender
- Virginia Housing Top Producer Award, Silver Circle
Heather Frye | NMLS #213439
The Frye Lending Team | New American Funding, LLC
Company NMLS #6606
Your first question is a good place to start.
No need to pick FHA, conventional, DSCR, or another program on your own. Tell me what you’re trying to accomplish, and we’ll start with your situation.
Let’s build your plan.
Tell me what you’re trying to accomplish. We’ll start there.