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Buy a home
From your first place to your next chapter, start with a payment and a plan that fit your life.
Explore this optionFredericksburg · Stafford · Beyond
There’s More Than One Way to Finance a Home.
Explore home loans in Fredericksburg, Stafford and the surrounding area with Heather Frye and The Frye Lending Team at New American Funding. Buying, investing, or figuring out a situation that doesn’t fit neatly in a box? Let’s find your way forward.
HEATHER FRYE · THE FRYE LENDING TEAM · NMLS #213439
Hi, I’m Heather.Your goal. A thoughtful financing plan.
Local perspective. More possibilities.
Clear guidance.
Real perspective.
Real perspective.
Experience since 1998In the mortgage industry
A local conversationBased in Fredericksburg, VA
Backed by NAFNew American Funding
Start where you are
What are you trying
to accomplish?
You bring the goal. We’ll help you understand the possibilities, the tradeoffs, and what comes next.
Build with intention
Invest in property
Look beyond the rate. Explore rental property, DSCR, and investment renovation financing.
Explore this optionA different path
Explore an assumption
A lower existing rate is only part of the picture. Understand the equity gap and the process.
Explore this optionUnderstand what can change
Adjustable-Rate Mortgages (ARM)
Compare an adjustable-rate mortgage’s initial period, future payment changes and risks with fixed-rate financing.
Explore ARMsBeyond a pay stub
Make my income make sense
Self employed, commission based, or a more complex income story? Let’s look at the documentation.
Explore this optionFor eligible military buyers
Use my VA benefits
Understand eligibility, entitlement, and the details that matter for your next home.
Explore this optionWork with what you have
Reimagine what’s next
Renovate a home, revisit your mortgage, or explore how your home equity fits your goals.
Explore this optionCompare FHA and conventional financing, or start with the first-time homebuyer guide.
Every situation is different. Program eligibility and availability depend on your complete application and the property.
See all financing optionsMeet your mortgage person
A real conversation.
A clearer next step.
I’m Heather Frye. I work with homebuyers, homeowners, and real estate investors who want to understand their options before making a big decision.
I started in the mortgage industry in 1998. As a real estate investor myself, I know the conversation needs to go beyond the interest rate.
- Understand the payment and the cash you’ll need.
- Compare the financing with your actual goals.
- Know what to prepare before you move forward.
The way I look at it
Your mortgage should make sense for your life, your property, and what you want to do next.
Heather FryeThe Frye Lending Team | New American Funding
Less guesswork. More direction.
Start with a conversation,
not a pile of paperwork.
01
Share your goal
Tell us what you’re considering, your timeline, and the questions keeping you up at night.
02
Explore the possibilities
Talk through your options, what they require, and the numbers that deserve a closer look.
03
Take your next step
When you’re ready, continue through the secure application and a documented financing review.
Local knowledge, practical decisions
Home looks different
to everyone.
Compare the property and the place, not just the price. Start with local details that can shape your financing plan.
Rooted here.
Ready for your next move.
Buying in Stafford or Fredericksburg? From an established home to new construction, a military move to a rental investment, the details of the address matter.
Explore the area, verify the costs, and make room in the plan for the way you actually want to live.
Useful before you apply
A little clarity goes a long way.
The numbers
What might my payment look like?
See how your own assumptions affect an estimated monthly housing payment.
Explore this optionThe preparation
What should I have ready?
A practical starting checklist for a productive mortgage conversation.
Explore this optionThe process
What happens after I apply?
Understand the path from documentation to underwriting and closing.
Explore this optionYou might be wondering
Good questions.
Straightforward answers.
Do I need to know which loan program I want before we talk?
No. Start with what you’re trying to accomplish. We can review your situation and compare options that may be available.
Can we talk if I’m self employed or buying an investment property?
Yes. These situations often need a closer look at income, the property, and the overall plan. Financing options and documentation requirements depend on your complete situation.
Does an advertised assumable rate tell me how much cash I need?
No. The purchase price, remaining loan balance, equity gap, closing costs, and any additional financing all matter. The servicer must confirm the assumption process and approval requirements.
Can I start with a question instead of an application?
Absolutely. Schedule a conversation or call the team. When you’re ready to apply, use the secure New American Funding application.
Selected client testimonials
See What Our Clients Are Saying
“Always checking in”
· Excerpt from Experience.com
“The Frye Team communicated with me on each step in the process and made the process work smoothly.”
· Excerpt from Experience.com
Let’s build your plan.
Tell me what you’re trying to accomplish. We’ll start there.