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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.
Great communication and guidance Daniel Joseph Amityville, NY April 22 Rating: 5.0 out of 5.0 from Encompass
Great communication and guidance
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 A Wantagh, NY April 21 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.
Andrew is very easy to talk to and gets the information you need as soon as you ask . Trevor Manorville, NY April 03 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 .
Andrew made getting our mortgage as easy of a process as possible. He is responsive, courteous, and well informed. I highly recommend his services! Arianna Huntington, NY March 31 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!
Andrew was very responsive to every question that we had. He was always available to assist us. Andrew Huntington, NY March 27 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.
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. James Palm Coast, FL March 23 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.
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. Tamara Palm Coast, FL March 19 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.
Impeccable service Andrew would answer my calls any day or time Anthony Michael Holtsville, NY January 26 Rating: 5.0 out of 5.0 from Encompass
Impeccable service Andrew would answer my calls any day or time
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 T Smithtown, NY November 24 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
Andrew made mortage Process easy and was always available for my questions or concerns. Michael Miller Place, NY November 18 Rating: 5.0 out of 5.0 from Encompass
Andrew made mortage Process easy and was always available for my questions or concerns.
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. Susan Brookhaven, NY November 10 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.
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 ... Christopher Brookhaven, NY November 10 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 ...
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.