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Proudly serving clients across NY, AZ, CA, CT, FL, GA, IL, MA, MD, NC, NJ, 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.
Rating: 5.0 out of 5.0 from Encompass Communication and transparency JosephSaint James, NY Aug 06
Communication and transparency
Rating: 5.0 out of 5.0 from Encompass ⭐⭐⭐⭐⭐ 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... Gene Nico Gonzalo EFreeport, NY Aug 03
⭐⭐⭐⭐⭐ 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...
Rating: 5.0 out of 5.0 from Encompass 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! Christine M.Coram, NY Aug 03
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!
Rating: 5.0 out of 5.0 from Encompass frank is very professional and helpful in explaining the process thank you ArkadiuszEast Rockaway, NY Jul 31
frank is very professional and helpful in explaining the process thank you
Rating: 5.0 out of 5.0 from Encompass 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. JIM L.East Rockaway, NY Jul 31
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.
Rating: 5.0 out of 5.0 from Encompass Team was very knowledgeable and attentive to out our needs in a timemy manner JohnMassapequa, NY Jul 29
Team was very knowledgeable and attentive to out our needs in a timemy manner
Rating: 5.0 out of 5.0 from Encompass 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... Gian Carlo EFreeport, NY Jul 28
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...
Rating: 5.0 out of 5.0 from Encompass 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. KimberlyWantagh, NY Jul 27
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.
Rating: 4.8 out of 5.0 from Encompass Frank was professional, responsive, and very helpful throughout the process. He made everything easy and stress free. PedroBethlehem, PA Jul 22
Frank was professional, responsive, and very helpful throughout the process. He made everything easy and stress free.
Rating: 5.0 out of 5.0 from Encompass Good communication and forming a trusting relationship with us CarlyEast Moriches, NY Jul 22
Good communication and forming a trusting relationship with us
Rating: 5.0 out of 5.0 from Encompass Smooth from beginning to end with all aspects being clearly explained GeorgeWantagh, NY Jul 20
Smooth from beginning to end with all aspects being clearly explained
Rating: 5.0 out of 5.0 from Encompass Frank and his team made this an extremely easy process. they were alwats with me every step of the way, and always responding quickly. Frank went above and beyond for me, and he was key in us getting our home . KeithLindenhurst, NY Jul 20
Frank and his team made this an extremely easy process. they were alwats with me every step of the way, and always responding quickly. Frank went above and beyond for me, and he was key in us getting our home .
Rating: 5.0 out of 5.0 from Zillow Frank helped make the process of buying my first home stress free. I would highly recommend him and his team to anyone who is looking to purchase a home. BrianCoram, NY Jul 16
Frank helped make the process of buying my first home stress free. I would highly recommend him and his team to anyone who is looking to purchase a home.
Rating: 5.0 out of 5.0 from Zillow Frank did a great job getting us our loan in a timely manner. He was always available to answer all of our questions. He was straight forward and honest with us and the process was very smooth. Thank you Frank! JackieCenter Moriches, NY Jul 16
Frank did a great job getting us our loan in a timely manner. He was always available to answer all of our questions. He was straight forward and honest with us and the process was very smooth. Thank you Frank!
Rating: 5.0 out of 5.0 from Zillow Frank was with us from the very beginning when my wife and I were just thinking of the idea of buying a home. Frank was very knowledgeable and explained things clearly so that my wife and I were able to understand him very well! He answered any email, call or text we sent his way with a friendly and prompt response. Frank and his whole team at embr... Lisa BellWantagh, NY Jul 16
Frank was with us from the very beginning when my wife and I were just thinking of the idea of buying a home. Frank was very knowledgeable and explained things clearly so that my wife and I were able to understand him very well! He answered any email, call or text we sent his way with a friendly and prompt response. Frank and his whole team at embr...
Rating: 5.0 out of 5.0 from Zillow My husband and I were first time home buyers. Frank made the mortgage process quick and easy from start to finish! We couldn't believe how smoothly it went. He was always available to speak to us no matter what time we contacted him. He walked us through the process and thoroughly answered all of our questions. Overall, we had a fantastic experienc... JennaSmithtown, NY Jul 16
My husband and I were first time home buyers. Frank made the mortgage process quick and easy from start to finish! We couldn't believe how smoothly it went. He was always available to speak to us no matter what time we contacted him. He walked us through the process and thoroughly answered all of our questions. Overall, we had a fantastic experienc...
Rating: 5.0 out of 5.0 from Zillow Frank did a great job getting us our loan in a timely manner. He was always available to answer all of our questions. He was straight forward and honest with us and the process was very smooth. Thank you Frank! Jackie Jul 16
Rating: 5.0 out of 5.0 from Encompass Frank and his team are great! They made the whole process smooth RichardBay Shore, NY Jul 10
Frank and his team are great! They made the whole process smooth
Rating: 5.0 out of 5.0 from Encompass Franks the best!!! NicoleBay Shore, NY Jul 10
Franks the best!!!
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 Jul 06
The communication of this team made our process very easy and will recommend to all our friends
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 Jul 03
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...
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 Jul 03
As first time homebuyers, we had a lot of questions and everyone took the time needed to guide us in the right direction
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 Jul 03
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'...
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 Jun 29
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.