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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.
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 ...
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... Teeya Selden, NY October 23 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...
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there
02/25/2026
2:00 pm