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Proudly serving clients across New York, Florida, Georgia and South Carolina.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
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.
Rating: 5.0 out of 5.0 from Encompass Responsiveness, professionalism, and support throughout the entire experience. FrankHauppauge, NY Jul 03
Responsiveness, professionalism, and support throughout the entire experience.
Rating: 5.0 out of 5.0 from Encompass andrew was very helpful and it was a quick and easy process with the virga team. GeorgeBellport, NY Jun 02
andrew was very helpful and it was a quick and easy process with the virga team.
Rating: 5.0 out of 5.0 from Encompass As a first time homebuyer and going through the process solo, Andrew provided me with the most amzing service I could have ever expected . He was quick and efficient with every step of the way, even through my non stop emails and texts Andrew made sure everything went smoothly for me I would HIGHLY ... JayleneKings Park, NY May 11
As a first time homebuyer and going through the process solo, Andrew provided me with the most amzing service I could have ever expected . He was quick and efficient with every step of the way, even through my non stop emails and texts Andrew made sure everything went smoothly for me I would HIGHLY ...
Rating: 5.0 out of 5.0 from Encompass As first time home buyers, our experience couldn't have been a more positive one and we feel very lucky to have had such a kind and reliable person guiding us every step of the way. Andrew is straight forward and very helpful in explainig the process from start to finish. We 1000% would recommend him to anyone buying a home. DawnmarieKings Park, NY May 01
As first time home buyers, our experience couldn't have been a more positive one and we feel very lucky to have had such a kind and reliable person guiding us every step of the way. Andrew is straight forward and very helpful in explainig the process from start to finish. We 1000% would recommend him to anyone buying a home.
Rating: 5.0 out of 5.0 from Encompass Andrew was fantastic! He made the entire process smooth and stress-free, explaining everything clearly and finding me a great rate. Highly recommend! MichaelFarmingville, NY Apr 21
Andrew was fantastic! He made the entire process smooth and stress-free, explaining everything clearly and finding me a great rate. Highly recommend!
Rating: 5.0 out of 5.0 from Encompass I am beyond pleased working with Andrew Virga. As a first home buyer, my nerves were apparent but I felt trusting with him throughout the entire process. I highly recommended Andrew. Very quick on communication, ensured we were on track for a smooth closing, helped us explore financing options and find the right plan to meet our needs, and overall ... CaridadBrentwood, NY Apr 13
I am beyond pleased working with Andrew Virga. As a first home buyer, my nerves were apparent but I felt trusting with him throughout the entire process. I highly recommended Andrew. Very quick on communication, ensured we were on track for a smooth closing, helped us explore financing options and find the right plan to meet our needs, and overall ...