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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.
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 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 20
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 Team was very knowledgeable and attentive to out our needs in a timemy manner JohnMassapequa, NY Jul 19
Team was very knowledgeable and attentive to out our needs in a timemy manner
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 17
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: 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 Good communication and forming a trusting relationship with us CarlyEast Moriches, NY Jul 14
Good communication and forming a trusting relationship with us
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 14
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 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.
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 Jun 29
Frank was always available to answer any questions and made the process as easy as possible
Rating: 5.0 out of 5.0 from Encompass Very responsive, fast service. JosephMassapequa, NY Jun 26
Very responsive, fast service.
Rating: 5.0 out of 5.0 from Encompass Jeff and his team where great in every way felt very cared for NicholasMadison, CT Jun 26
Jeff and his team where great in every way felt very cared for
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 Jun 23
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.