Frank Virga

Frank Virga

Area Manager

NMLS#: 71396

About Frank

Proudly serving clients across NY, AZ, CA, CT, FL, GA, IL, MA, MD, NC, NJ, PA, RI, SC, TN, TX, VA, WI

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.

Awards

  • Loan Officer Award

Borrower Testimonials

Total Experience Score4.96
Rating: 5.0 out of 5.0 from Encompass
Franks the best!!!
NicoleBay Shore, NY
Rating: 5.0 out of 5.0 from Encompass
Frank and his team are great! They made the whole process smooth
RichardBay Shore, NY
Rating: 5.0 out of 5.0 from Encompass
The team was very responsive and always available to answer any questions we had throughout the process. They were all very friendly, supportive, and respectful.
Nicholas RaymondRonkonkoma, NY
Rating: 5.0 out of 5.0 from Encompass
Frank was always available to answer any questions and made the process as easy as possible
MatthewSmithtown, NY
Rating: 5.0 out of 5.0 from Encompass
Very responsive, fast service.
JosephMassapequa, NY
Rating: 5.0 out of 5.0 from Encompass
Jeff and his team where great in every way felt very cared for
NicholasMadison, CT
Rating: 5.0 out of 5.0 from Encompass
The communication of this team made our process very easy and will recommend to all our friends
SandraHackettstown, NJ
Rating: 4.7 out of 5.0 from Encompass
As first time homebuyers, we had a lot of questions and everyone took the time needed to guide us in the right direction
Monica LynnRonkonkoma, NY
Rating: 5.0 out of 5.0 from Encompass
Thank you to Frank, Sophia, Erin and the rest of the AnnieMac team! We had an unusual situation in that our sellers required a 3-week closing from the date our bid was accepted - in a different state! Frank and his team moved heaven and earth to make it happen. We were in contact several times each day as we arranged legal issues, financing, ins...
RobertHackettstown, NJ
Rating: 5.0 out of 5.0 from Encompass
Frank and every member of the team at AnnieMac made the finance side of our home-buying process seamless. Frank was always available any day or time we needed him, crunching numbers and educating us on all we needed to know. Everyone worked so quickly for us when offers had to be in fast and we couldn'...
AnnMarieSmithtown, NY
Rating: 5.0 out of 5.0 from Encompass
Frank and his team were fantastic. Very easy to deal with. Their communication was excellent and they were efficient in moving along my mortgage application from pre-approval to closing.
JaclynSound Beach, NY
Rating: 5.0 out of 5.0 from Encompass
Very open throughout the entire process and was great to work with!
ErinAmityville, NY
Rating: 5.0 out of 5.0 from Encompass
Frank and his team helped us out with two homes. They are extremely professional and helped us every step of the way.
ConnorYork, PA
Rating: 5.0 out of 5.0 from Encompass
Always delivers!
AmyYork, PA
Rating: 5.0 out of 5.0 from Encompass
Frank was recommended to us by our realtor and good friend. Frank and his team were professional and helpful from start to finish. We couldn't have asked for a better experience.
Patricia AnneSunset Beach, NC
Rating: 5.0 out of 5.0 from Encompass
Everyone worked together for 1 cause, get to the closing on time! Thank you for all your hard work & patienc!!
AlbertRonkonkoma, NY
Rating: 5.0 out of 5.0 from Encompass
Frank and his team were dedicated to helping us secure the best rate and did so in a timely manner. The team was effective, readily available, and easy to communicate with. We felt we made a great decision in working with Frank, as he was open with us every step of the way.
MaggieEast Northport, NY
Rating: 5.0 out of 5.0 from Encompass
a Plus service
ChristopherManorville, NY
Rating: 5.0 out of 5.0 from Encompass
Frank went above and beyond to get us our approval and always stayed on top of rates and was able to lock us in at a better rate then we were expecting was always available and willing to help/change documents that we needed to put offers in 10/10 would recommend .
Jeannine IMastic, NY
Rating: 5.0 out of 5.0 from Encompass
Frank communicated very well every step of the way. I will recommend him to future friends and clients.
ErinNew Bedford, MA
Rating: 5.0 out of 5.0 from Encompass
everyone was always available to answer a call or question. everyone was very responsive to our emails. Overall it was a pleasant, easy, and smooth experience
ElizabethShoreham, NY
Rating: 5.0 out of 5.0 from Encompass
Frank was hands on with the whole process. Was very easy to communicate with and very helpful with all and any questions we threw his way. 10/10 recommend to anyone
JohnShoreham, NY
Rating: 5.0 out of 5.0 from Encompass
Easy to work with
KristynSayville, NY