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Proudly serving clients across New York, Florida, Georgia and South Carolina.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Andrew was great in every aspect of generating this loan and we got it done super fast. Super nice guy and super professional. I've already recommended him to a real estate broker. I won't hesitate to recommend him to friends in the future NeilHuntington, NY Aug 06
Andrew was great in every aspect of generating this loan and we got it done super fast. Super nice guy and super professional. I've already recommended him to a real estate broker. I won't hesitate to recommend him to friends in the future
Rating: 4.8 out of 5.0 from Encompass Very easy to contact and get a hold of very knowledgeable JustinCentereach, NY Aug 06
Very easy to contact and get a hold of very knowledgeable
Rating: 5.0 out of 5.0 from Encompass Andrew is always available to answer any question needed at any time on any day. Very knowledgeabl, explains everything in detail so. Made this process very easy and seamless Dina A.Punta Gorda, FL Aug 02
Andrew is always available to answer any question needed at any time on any day. Very knowledgeabl, explains everything in detail so. Made this process very easy and seamless
Rating: 4.8 out of 5.0 from Encompass Andrew was very informative and help[ed walked us through the entire process and helping to choose the best rate for us. Jonathan CDix Hills, NY Jul 17
Andrew was very informative and help[ed walked us through the entire process and helping to choose the best rate for us.
Rating: 5.0 out of 5.0 from Encompass Andrew and team are the best - highly recommend . RyanEast Northport, NY Jul 06
Andrew and team are the best - highly recommend .
Rating: 5.0 out of 5.0 from Encompass We cannot say enough great things about Andrew Virga! From the very beginning of our home buying journey, Andrew was knowledgeable, responsive, and incredibly patient. He took the time to explain every detail, answer every question, and guide us through what can often be a stressful and overwhelming process. Andrew made everything feel seamless. He... JacquelineEast Northport, NY Jun 29
We cannot say enough great things about Andrew Virga! From the very beginning of our home buying journey, Andrew was knowledgeable, responsive, and incredibly patient. He took the time to explain every detail, answer every question, and guide us through what can often be a stressful and overwhelming process. Andrew made everything feel seamless. He...
Rating: 4.8 out of 5.0 from Encompass Great communication, questions answered quickly and concisely. ZacharyBellport, NY May 29
Great communication, questions answered quickly and concisely.
Rating: 5.0 out of 5.0 from Encompass As always Andrew pulled through! I recommend him to all my clients and will continue to do so! David JBellport, NY May 29
As always Andrew pulled through! I recommend him to all my clients and will continue to do so!
Rating: 5.0 out of 5.0 from Encompass Andrew made everything easy, understandable, and seemless Philip RobertBellport, NY May 28
Andrew made everything easy, understandable, and seemless
Rating: 5.0 out of 5.0 from Encompass Always so responsive and super helpful Very educated and knowledgable KrystinaFarmingville, NY May 12
Always so responsive and super helpful Very educated and knowledgable
Rating: 5.0 out of 5.0 from Encompass Great communication and guidance Daniel JosephAmityville, NY May 04
Great communication and guidance
Rating: 5.0 out of 5.0 from Encompass Andrew was awesome. He was on top of my loan applications and helped me get an amazing rate. He was also very responsive and always available when I needed him. Anyone that I know looking for a morgate I am going to send them Andrew's way. Calogero AWantagh, NY May 01
Andrew was awesome. He was on top of my loan applications and helped me get an amazing rate. He was also very responsive and always available when I needed him. Anyone that I know looking for a morgate I am going to send them Andrew's way.
Rating: 5.0 out of 5.0 from Encompass Andrew is very easy to talk to and gets the information you need as soon as you ask . TrevorManorville, NY Apr 03
Andrew is very easy to talk to and gets the information you need as soon as you ask .
Rating: 5.0 out of 5.0 from Encompass Andrew made getting our mortgage as easy of a process as possible. He is responsive, courteous, and well informed. I highly recommend his services! AriannaHuntington, NY Mar 31
Andrew made getting our mortgage as easy of a process as possible. He is responsive, courteous, and well informed. I highly recommend his services!
Rating: 5.0 out of 5.0 from Encompass Andrew was very responsive to every question that we had. He was always available to assist us. AndrewHuntington, NY Mar 27
Andrew was very responsive to every question that we had. He was always available to assist us.
Rating: 5.0 out of 5.0 from Encompass Andrew was extremely informative throughout the entire process. He was very attentive f from a swing emails and returning phone calls in na very short time. I would definitely recommend him to any one looking for a mortgage. JamesPalm Coast, FL Mar 23
Andrew was extremely informative throughout the entire process. He was very attentive f from a swing emails and returning phone calls in na very short time. I would definitely recommend him to any one looking for a mortgage.
Rating: 5.0 out of 5.0 from Encompass Andrew you were awesome to work with! Thank you again for getting us to the finishing line. I Look forward to working with you in the future. TamaraPalm Coast, FL Mar 19
Andrew you were awesome to work with! Thank you again for getting us to the finishing line. I Look forward to working with you in the future.
Rating: 5.0 out of 5.0 from Encompass Impeccable service Andrew would answer my calls any day or time Anthony MichaelHoltsville, NY Jan 26
Impeccable service Andrew would answer my calls any day or time
Rating: 5.0 out of 5.0 from Encompass First time home buyers Andrew made it easy. Few hiccups along the way Andrew was able to take care of them with out batting an eye. 10/10 William TSmithtown, NY Nov 24
First time home buyers Andrew made it easy. Few hiccups along the way Andrew was able to take care of them with out batting an eye. 10/10
Rating: 5.0 out of 5.0 from Encompass Andrew made mortage Process easy and was always available for my questions or concerns. MichaelMiller Place, NY Nov 18
Andrew made mortage Process easy and was always available for my questions or concerns.
Rating: 5.0 out of 5.0 from Encompass Andrew was amazing through this whole process. He was available anytime we had questions. He explained and reexplained evertime we asked him a question. He was the easiest part of this whole buying and selling process. We will 100% recomend Andrew to anyone that is buying a home. SusanBrookhaven, NY Nov 10
Andrew was amazing through this whole process. He was available anytime we had questions. He explained and reexplained evertime we asked him a question. He was the easiest part of this whole buying and selling process. We will 100% recomend Andrew to anyone that is buying a home.
Rating: 5.0 out of 5.0 from Encompass Sales Manger Andrew Virga went above and beyond handling our Cash2Keys /Buy now sell later mortgage. Andrew explained the program in detail and was always available to answer any questions 24/7. Working with his AnnieMac team we successfully purchashed our new home and sold our old home. Without this program and ... ChristopherBrookhaven, NY Nov 10
Sales Manger Andrew Virga went above and beyond handling our Cash2Keys /Buy now sell later mortgage. Andrew explained the program in detail and was always available to answer any questions 24/7. Working with his AnnieMac team we successfully purchashed our new home and sold our old home. Without this program and ...
Rating: 5.0 out of 5.0 from Encompass He was top tier. From day one he gave me a run down of the loan application process. He answered every single one of my many questions and never made me feel uncomfortable for asking that many questions. He made himself available for me everytime I reached out. As a first time homeowner/buyer, I could not have imagined doing this without him. I wil... TeeyaSelden, NY Oct 23
He was top tier. From day one he gave me a run down of the loan application process. He answered every single one of my many questions and never made me feel uncomfortable for asking that many questions. He made himself available for me everytime I reached out. As a first time homeowner/buyer, I could not have imagined doing this without him. I wil...
Rating: 5.0 out of 5.0 from Encompass Andrew was amazing. always responsive and fast to engage. the whole process was a pleasure from start to finish. Thank you Andrew ! MarkBellport, NY Oct 16
Andrew was amazing. always responsive and fast to engage. the whole process was a pleasure from start to finish. Thank you Andrew !
Rating: 5.0 out of 5.0 from Encompass Andrew and Jen took care not only me but my Aunt. The team helped calm fears and answered questions. They are very professional and knowledgeable. Harold D.Selden, NY Oct 14
Andrew and Jen took care not only me but my Aunt. The team helped calm fears and answered questions. They are very professional and knowledgeable.