Heather Frye

Background

About Heather Frye

Mortgage Loan Officer | Real Estate Professional | Real Estate Investor Since 2002, I’ve helped thousands of families achieve the dream of homeownership. Mortgage financing is one of the most important financial decisions a person will ever make, and my mission is to make the process clear, strategic, and successful from pre-approval to closing. I specialize in helping first-time homebuyers, move-up buyers, military families, and real estate investors secure the right financing to reach their goals. With more than two decades in the mortgage and real estate industry, I bring a strategic perspective that goes far beyond simply getting a loan approved. Loan programs I regularly work with include: • VA Loans • FHA Loans • Conventional Loans • USDA Loans • Jumbo Loans • Construction Loans • Non-QM Loans • Renovation Loans (203k and other rehab programs) • Down Payment Assistance Programs • First-Time Homebuyer Programs • Refinance Opportunities In addition to mortgage lending, I am also a licensed real estate professional and active real estate investor, owning multiple properties myself. This experience allows me to guide clients not just through the loan process, but through the bigger picture of building long-term wealth through real estate. One of my greatest passions is helping people grow—whether that’s helping a family buy their first home, guiding an investor toward their next property, or mentoring industry partners and team members to reach their full potential. I believe in clear communication, strong relationships, and always putting clients first. Proudly serving clients across Virginia, Maryland, DC, Tennessee, North Carolina, South Carolina, Florida, Texas, Pennsylvania, and California, with a strong focus on Stafford, Fredericksburg, Spotsylvania, and Northern Virginia. A Virginia native and the daughter of an Army Veteran, I’m proud to serve military families, local communities, and clients across the country. Helping families build stability, opportunity, and wealth through homeownership—one home at a time.