About Frank
Proudly serving clients across NY, AZ, CA, CT, FL, GA, IL, MA, MD, NC, NJ, NV, PA, RI, SC, TN, TX, VA, WI
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.
Awards
Borrower Testimonials
extremely helpful.
Great experience
Frank and his team were supportive, informative, and thorough. You walked my husband and me through this process with great care and a clear understanding of what our family needed. I truly felt like you had our back from beginning to end.
Frank and his team are truly the best in the business. From start to finish, Frank made the entire process incredibly simple and stress-free. His communication throughout the entire experience was excellent, and everything was handled quickly, efficiently, and flawlessly. I couldn’t recommend Frank and his team enough.
Smooth experience quick closing
As daunting as the process of purchasing a new home can be, AnnieMac and their staff made the experience so much easier. They were always available, supportive, and willing to assist in any way they could. I truly have nothing but good things to say about the entire team. They have been absolutely awesome throughout the whole process, and I’m inc...
Wonderful service, super friendly and professional. Highly recomemded!.
Frank is a knowledgeable resourece. He gave us excellent guidance and financial advice. His team was responisve, organized and pro-active.
We had an incredible experience working with Frank and his team from start to finish. Buying a home can be a stressful process, but their team made everything as smooth and straightforward as possible. They were extremely responsive, knowledgeable, and always took the time to explain what was happening and what we needed to do next. Communication ...
Frank and Erin were great . i also appreciated Sophia!
Knowledgable, positive, the team puts you at ease
Frank and Erin are amazing . They explained everything and I knew I was in good hands from the first meeting . They shopped the rates and kept me informed from start to finish . Frank and Erin can Always be reached. They call back quickly and always respond to emails . I closed on my condo yesterday and I couldn't h...
Excellent Communication skills with client and gets the job done everytime.
Frank is honest, easy to work with , has many great programs and very quick in getting houses close I highly recommend him!
Communication and transparency
⭐⭐⭐⭐⭐ 5-Star Review I had an excellent experience working with AnnieMac Mortgage throughout the process of buying my new home. From start to finish, the team was professional, responsive, and always willing to answer my questions. A special thank you to Frank, Julianne, and Sophia for all of their hard work, patience, and support. They gu...
Frank Virga and his team were exceptional!! I was so overwhelmed and the walked through it with me step by step. When I had a question or concern, they were on top of it! I HIGHLY recommend Frank and his team at AnnieMac!
frank is very professional and helpful in explaining the process thank you
I have been working with Frank and his team for a while. The experience was top notch. They were very patient with my buyer. Answering every question and making him as comfortable. Annie Mac's products and service are a 10. Can't wait to work on the next transaction with this team.
Team was very knowledgeable and attentive to out our needs in a timemy manner
Working with Juliana and the AnnieMac team was an outstanding experience from start to finish. Juliana was always responsive, knowledgeable, and patient, taking the time to explain every step of the mortgage process and answer all of our questions. She made what could have been a stressful experience feel smooth and straightforward. Her professiona...
Seamless process from beginning to end with Frank Virga and the entire AnnieMac team. They communicated every step of the way and I would highly recommend them.
Frank was professional, responsive, and very helpful throughout the process. He made everything easy and stress free.
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Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!