Skip to Main Content
Frank Virga

Frank Virga

Senior Loan Officer
Phone: 800.333.3004 ext. 3840
Mobile: 516.807.4914
Pre-Qualify Now APPLY NOW

About

Frank Virga started with Embrace in June 2014 as a Senior Loan Officer. We are extremely proud to have him as part of the team. He works out of our Hauppauge/ Long Island, New York office and plays a significant role in the tristate area. Frank’s strong presence in the industry is backed up with consistent exchanges with referral partners, and an extensive list of extremely pleased clientele. Recently, Frank has been very active as a preferred lender in his area and working with Redfin. Not only was Frank recommended for the site, but to remain as a Direct Lender for the site, has maintained a 5 star rating. Frank spends much of his free time leading Homebuyer seminars and Realtor events to maintain the knowledge of the ever-changing industry. Frank has been recognized within the company as part of the President’s Club in 2014 and 2015, and within the industry as the top 1% Loan Originators in Mortgage Executive Magazine.

Frank grew up in Commack, New York and currently, he resides in Smithtown, New York with his beautiful wife, Eva and 2 amazing sons; Frankie and Travis. Frank values his quality time with his family and friends, playing softball and fly fishing. 

Frank takes great pride in going the extra mile in order to help people find the solutions needed to become homeowners and help them save money. He enjoys sharing his knowledge in the mortgage industry with every customer, to help them make the best informed decision. Most importantly, he is a strong believer in building relationships that last a lifetime. 

newyork home loans Profile for Frank Virga Top One Percent   

Presidents Club 2016

 

Branch: New York - Hauppauge, 150 Vanderbilt Motor Parkway, Hauppauge, NY 11788

Frank Virga, NMLS# 71396 , is employed by Embrace Home Loans and is licensed in:
CT NJ NY

Reviews (94 Reviews)

5.0
5.0 Survey completed on October 18, 2017
Reviewed By Andrea Preite for Frank Virga
Completed transaction in October 2017
Frank and his team were amazing! He and his team met our needs, were really helpful and very thorough. They responded to any and all questions we had quickly, they helped to make the stressful experience of first time home buying much easier.
5.0
5.0 Survey completed on October 17, 2017
Reviewed By Paul Lanning for Frank Virga
Completed transaction in October 2017
Started the re-finance process with another organization. Encountered problems right from the start. Frank was referred to us by a family friend. Frank took over and made the experience easy and problem free.
5.0
5.0 Survey completed on October 14, 2017
Reviewed By Chris Budesa for Frank Virga
Completed transaction in October 2017
Pleasant, smooth transaction. Frank was always available to answer any questions regarding the mortgage and closing process. He knows his business well and knows how to get the job done in efficiently.
5.0
5.0 Survey completed on October 1, 2017
Reviewed By Scott Greco for Frank Virga
Completed transaction in September 2017
Frank not only recommended a realtor who found us a great home, he got us a great interest and was always available for consults or questions. Very happy with our decision to have Frank as our mortgage provider.
5.0
5.0 Survey completed on September 26, 2017
Reviewed By Christopher Martins for Frank Virga
Completed transaction in September 2017
Frank Virga is a complete professional. He was a pleasure to work with. He always answered our emails and called us back whenever we had a question. He was with us every step of the way during our home purchase. As a first time home buyer, Frank Virga made the process for us easy and less stressful. If we had to start over and do it again, we would pick Frank Virga and his team every time. We will suggest Frank Virga to all our friends and family and know that with Frank they are in good hands. Frank Virga is a complete professional. He was a pleasure to work with. He always answered our emails and called us back whenever we had a question. He was with us every step of the way during our home purchase. As a first time home buyer, Frank Virg ...read full review
5.0
5.0 Survey completed on September 26, 2017
Reviewed By Peter Cardone for Frank Virga
Completed transaction in September 2017
Great customer service and would recommend Frank to anyone in need of a home loan.
5.0
5.0 Survey completed on September 22, 2017
Reviewed By Lorraine Simonello for Frank Virga
Completed transaction in September 2017
Great job. Thanks!
5.0
5.0 Survey completed on September 15, 2017
Reviewed By Lauren Wett for Frank Virga
Completed transaction in September 2017
Frank is the best!
4.667
4.667 Survey completed on September 12, 2017
Reviewed By Christie Azzolini for Frank Virga
Completed transaction in August 2017
Frank and his team were a pleasure to work with...responsive, thorough, and extremely helpful overall!
5.0
5.0 Survey completed on September 9, 2017
Reviewed By Jennifer Popp for Frank Virga
Completed transaction in September 2017
The mortgage process can be a daunting experience but Frank and his colleagues assured me from day one that they had it under control. They followed through with their promise and my family now have the house we always wanted. I would recommend Frank without a second thought.The mortgage process can be a daunting experience but Frank and his colleagues assured me from day one that they had it under control. They followed through with their promise and my family now have the house we always wanted. I would recommend Frank ...read full review
5.0
5.0 Survey completed on September 5, 2017
Reviewed By Justin Hoffman for Frank Virga
Completed transaction in August 2017
We had deadlines to be made, Frank and his team made them with time to spare. I have recommended Frank to multiple people and will continue to do so.
5.0
5.0 Survey completed on September 2, 2017
Reviewed By Charles Anderson for Frank Virga
Completed transaction in August 2017
We highly recommend Frank Virga. He is friendly and very professional. He was always available to answer our questions and working with him was so easy. He offered us a great rate and was able to quickly and smoothly process our mortgage application. We were 100% satisfied with his services.We highly recommend Frank Virga. He is friendly and very professional. He was always available to answer our questions and working with him was so easy. He offered us a great rate and was able to quickly and smoothly process our mortgage application. ...read full review
4.333
4.333 Survey completed on August 29, 2017
Reviewed By Brian Selnick for Frank Virga
Completed transaction in August 2017
Frank was very attentive and took the time to explain things that were confusing to me. I was a nervous borrower and Frank took pains to put me at ease.
5.0
5.0 Survey completed on August 29, 2017
Reviewed By Keith Pollack for Frank Virga
Completed transaction in August 2017
Frank literally saved our mortgage process by completely taking over the process from another bank. He is smart, confident, knowledgable, he will do WHATEVER IT TAKES to help you ,he makes the mortgage process so easy and approachable. He is a problem solver at heart. We can't thank Frank enough for what he did for our family, and you should look no further than Frank Virga for your mortgage needs! THANK YOU AGAIN FRANK AND EVERYONE AT EMBRACE HOME LOANS!!!Frank literally saved our mortgage process by completely taking over the process from another bank. He is smart, confident, knowledgable, he will do WHATEVER IT TAKES to help you ,he makes the mortgage process so easy and approachable. He is a proble ...read full review
5.0
5.0 Survey completed on August 25, 2017
Reviewed By Keith Wachter for Frank Virga
Completed transaction in August 2017
Frank and his team made the home buying process very easy. From the first meeting to the closing, I was confident in their ability to follow through. Their communication was always fast and clear, and they always had my family's best interest in mind. I would recommend Frank Virga and his team all day long. Frank and his team made the home buying process very easy. From the first meeting to the closing, I was confident in their ability to follow through. Their communication was always fast and clear, and they always had my family's best interest in ...read full review
5.0
5.0 Survey completed on August 24, 2017
Reviewed By Christopher Filipovsky for Frank Virga
Completed transaction in June 2017
He responded very fast and was very patient with lots of our questions.
5.0
5.0 Survey completed on August 21, 2017
Reviewed By Matthew Fitz for Frank Virga
Completed transaction in August 2017
Explained everything clearly and was always available and responsive.
5.0
5.0 Survey completed on August 18, 2017
Reviewed By Kameni Prashad for Frank Virga
Completed transaction in August 2017
Frank was extremely helpful when my husband and I were going thru trails with the closing of our home. We had problems with the buyers and Frank was flexible with his time and gave us great advice as well as worked with us thru the delays! Frank also stayed with us at the start of the closing to ensure that we were taken care of. His professionalism was appreciated and make the process easier for us. Thank you Frank!Frank was extremely helpful when my husband and I were going thru trails with the closing of our home. We had problems with the buyers and Frank was flexible with his time and gave us great advice as well as worked with us thru the delays! Frank als ...read full review
5.0
5.0 Survey completed on August 17, 2017
Reviewed By Paul Montesinos for Frank Virga
Completed transaction in August 2017
Frank made my mortgage process go so smoothly. At the last minute I had to change from another mortgage broker to Frank. I first contacted him at around 7pm and within and hour he gave me a call while in the middle of coaching a sons baseball and got me rate locked before midnight. You can't easily find this kind of dedication and service elsewhere. He and the team at Embrace were always available to communicate with every step of the way and they were ready to close in a months time.Frank made my mortgage process go so smoothly. At the last minute I had to change from another mortgage broker to Frank. I first contacted him at around 7pm and within and hour he gave me a call while in the middle of coaching a sons baseball and g ...read full review
5.0
5.0 Survey completed on August 15, 2017
Reviewed By Joseph Scortino for Frank Virga
Completed transaction in August 2017
Frank Virga and his team was excellent from begining of loan application to closing. He was always available with my questions anytime of day . I def would recommend embrace home loans to friends and family .
5.0
5.0 Survey completed on August 15, 2017
Reviewed By Danielle Amella-Rodriguez for Frank Virga
Completed transaction in August 2017
Frank helped supply us with all the information to better understand what we could afford and was fast with giving us our preapprovals which in this competitive market meant the difference. Thank you Frank!
5.0
5.0 Survey completed on August 15, 2017
Reviewed By Vincent Urizzo for Frank Virga
Completed transaction in August 2017
Frank was always just a phone call away. Being a first time home buyer I had a a lot of questions and concerns and they were always answered quickly and efficiently. Other mortgage companies did not compare to the service I received, and believe me I shopped around and did my homework. Thank you to Frank, Andrew and Lanette who helped my family finance the home of our dreams! Frank was always just a phone call away. Being a first time home buyer I had a a lot of questions and concerns and they were always answered quickly and efficiently. Other mortgage companies did not compare to the service I received, and believe me I ...read full review
5.0
5.0 Survey completed on August 15, 2017
Reviewed By Dennis Rodriguez for Frank Virga
Completed transaction in August 2017
Professional, straight forward. Has great input and ideas
5.0
5.0 Survey completed on August 14, 2017
Reviewed By Kellie Moran for Frank Virga
Completed transaction in August 2017
Thanks for being available, thorough and professional!
5.0
5.0 Survey completed on August 14, 2017
Reviewed By James Enright for Frank Virga
Completed transaction in August 2017
Frank worked so hard to get us the best rate, and keep that rate throughout the closing process. He explained everything, went over the final #'s several times with my wife and I, and made us feel so comfortable throughout the entire process. A true professional who works extremely hard for his clients!Frank worked so hard to get us the best rate, and keep that rate throughout the closing process. He explained everything, went over the final #'s several times with my wife and I, and made us feel so comfortable throughout the entire process. A tru ...read full review
5.0
5.0 Survey completed on August 11, 2017
Reviewed By Colin McVetty for Frank Virga
Completed transaction in August 2017
Frank was easy to communicate with. He returned phone calls and emails quickly and answered all of our questions in a timely manner. He was very transparent through the entire mortgage process which gave us pease of mind.
5.0
5.0 Survey completed on August 10, 2017
Reviewed By Gerard Caramannello for Frank Virga
Completed transaction in August 2017
great service all around
5.0
5.0 Survey completed on August 2, 2017
Reviewed By Stephanie Sellitto for Frank Virga
Completed transaction in July 2017
Frank was always available for questions, and always with a prompt response. He is very easy to deal with and very knowledgeable. I would absolutely recommend him to others, and in fact already have.
5.0
5.0 Survey completed on August 1, 2017
Reviewed By Thomas Raic for Frank Virga
Completed transaction in July 2017
Frank Virga was a pleasure to work with, and was part of my Dream Team with Jonathan Bellezza and Mario Urrutia as our real estate attorney and agent. I couldn't have had more a more trust worthy or honest group of people to work with. They were absolutely the best in this industry!Frank Virga was a pleasure to work with, and was part of my Dream Team with Jonathan Bellezza and Mario Urrutia as our real estate attorney and agent. I couldn't have had more a more trust worthy or honest group of people to work with. They were abso ...read full review
5.0
5.0 Survey completed on July 13, 2017
Reviewed By John Shearn for Frank Virga
Completed transaction in June 2017
Frank was available at any time for me. He was able to answer all of my questions as well as give me advice when needed. He made the daunting task of getting a mortgage quick and easy.
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Wang Wong for Frank Virga
Completed transaction in June 2017
Smooth process, everything as promised, no surprise charfes.
5.0
5.0 Survey completed on July 1, 2017
Reviewed By Gilbert Degillo for Frank Virga
Completed transaction in June 2017
Very Helpful... answers all our questions... It was an amazing experience dealing with him...thank you so much....Frank
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Lawrence Brugnone for Frank Virga
Completed transaction in June 2017
This was our first home purchase. I was referred to Frank Virga, who from day one, guided us through the loan process, answered all our questions thoroughly, and made this a smooth process. I would highly recommend Frank Virga and Embrace Home Loans to my family and friends. Thank you for helping us make our dream of home ownership come true!This was our first home purchase. I was referred to Frank Virga, who from day one, guided us through the loan process, answered all our questions thoroughly, and made this a smooth process. I would highly recommend Frank Virga and Embrace Home Loans ...read full review
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Christopher Gironda for Frank Virga
Completed transaction in June 2017
Vey helpful
5.0
5.0 Survey completed on June 28, 2017
Reviewed By Stephen Haupt for Frank Virga
Completed transaction in June 2017
The negotiations with the seller were quite difficult and Frank really went to bat for us above and beyond what most bankers would have done.
4.667
4.667 Survey completed on June 28, 2017
Reviewed By Stephanie Pena for Frank Virga
Completed transaction in June 2017
Frank was very informative and advised my husband and I every step of the way.
5.0
5.0 Survey completed on June 28, 2017
Reviewed By Christopher Gallino for Frank Virga
Completed transaction in May 2017
Thank you frank, you made our dreams come true.. easy process & friendly staff.. we are satisfied with the customer service and how quick it was for Frank to get us approved. We are forever grateful!
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Rosemarie Bozza for Frank Virga
Completed transaction in June 2017
Frank and the Embrace Home Loans Team were incredible! Their hands on approach and easy to use online application made the mortgage process fast & easy.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Dean Kresse for Frank Virga
Completed transaction in June 2017
From the very beginning of my home search Frank was always there when I needed him. He took the time to explain and help me explore all of my loan options and it was a tremendous help. Frank kept me up to date during the process, was able to get me a great rate, and the Embrace site was very user friendly to upload documents and view the status of my loan. I would highly recommend working with Frank Virga if you are looking for a smooth transaction in order to close on your new home. From the very beginning of my home search Frank was always there when I needed him. He took the time to explain and help me explore all of my loan options and it was a tremendous help. Frank kept me up to date during the process, was able to get me a ...read full review
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Michael Hayes for Frank Virga
Completed transaction in June 2017
Kept us up to date and explained in detail the whole mortgage process. We are very happy.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Peter Banta for Frank Virga
Completed transaction in June 2017
Frank was very easy to talk to and communicate with. He was always available to answer any of my questions. He responded in a quick fashion and is very knowledgeable in his field. He made my dream house come true. I appreciate everything he did for me and I can't thank him enough. I would strongly recommend him to any friends looking for homes. Frank was very easy to talk to and communicate with. He was always available to answer any of my questions. He responded in a quick fashion and is very knowledgeable in his field. He made my dream house come true. I appreciate everything he did f ...read full review
4.0
4.0 Survey completed on June 27, 2017
Reviewed By Louis Megna for Frank Virga
Completed transaction in June 2017
Frank steered me toward the sonyma loan, which has been a great help to me. Frank was very knowledgeable and supportive throughout the entire process.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Taryn Wolf for Frank Virga
Completed transaction in June 2017
Frank was very easy to work with, he was straightforward and not salesy. I'm a cut to the chase kind of gal, and either he is too or he knows how to adapt well to his clients needs (and tolerance for BS, which is what I've experienced from other real estate agents and mortgage brokers). Frank's a super competent, knowledgeable, honest guy who will tell it to you straight. He's also a totally adorable Italian man with cheeks you just want to squeeze! Classic, salt of the earth Long Island. Frank was very easy to work with, he was straightforward and not salesy. I'm a cut to the chase kind of gal, and either he is too or he knows how to adapt well to his clients needs (and tolerance for BS, which is what I've experienced from other real ...read full review
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Paul Mastronardi for Frank Virga
Completed transaction in June 2017
This was my 6th time I've taken a mortgage in my lifetime. It was by far the easiest transaction with the best service ever. Frank is a highly organized and detail oriented professional. He was right on top of my loan. Hi communication was excellent. I HIGHLY RECOMMEND FRANK VIRGA!!This was my 6th time I've taken a mortgage in my lifetime. It was by far the easiest transaction with the best service ever. Frank is a highly organized and detail oriented professional. He was right on top of my loan. Hi communication was excellent ...read full review
5.0
5.0 Survey completed on March 28, 2017
Reviewed By Chris C. for Frank Virga
Completed transaction in March 2017
Frank exemplifies professionalism and helped us close in under 4 weeks, could not have asked for more!
5.0
5.0 Survey completed on March 10, 2017
Reviewed By Khalid for Frank Virga
Completed transaction in March 2017
Very good
5.0
5.0 Survey completed on February 28, 2017
Reviewed By Tom for Frank Virga
Completed transaction in February 2017
Any question I had was answered either by a phone call or email. Just a great experience at a hectic time!
5.0
5.0 Survey completed on February 28, 2017
Reviewed By Mickey for Frank Virga
Completed transaction in February 2017
Second time with frank,a true pro. Very much a Can do guy. Have recommend him to friendslready.
5.0
5.0 Survey completed on February 22, 2017
Reviewed By Erica Jordan and Mike Ferraro for Frank Virga
Completed transaction in February 2017
Frank answered a million questions, and took our calls and concerns any time or day (even weekends and holidays!) and turkey dedicated professional who made buying our first house and much less stressful process.
5.0
5.0 Survey completed on February 20, 2017
Reviewed By Nick for Frank Virga
Completed transaction in February 2017
Frank made our home buying experience a very smooth and stress free one. He was very well diverse in his field, extremely knowledgeable, and very helpful during the entire process. I would highly recommend using Frank, as well as Embrace Home Loans to anyone in the future.Frank made our home buying experience a very smooth and stress free one. He was very well diverse in his field, extremely knowledgeable, and very helpful during the entire process. I would highly recommend using Frank, as well as Embrace Home Loans ...read full review
5.0
5.0 Survey completed on February 12, 2017
Reviewed By J & J for Frank Virga
Completed transaction in February 2017
We could not have been more thankful that Frank was introduced to us by our real estate agent. He immediately connected with us and was helpful every single step of the way. Being new homeowners is an overwhelming experience, but Frank made sure that anytime we had a question, big or small, he addressed it almost immediately and always being mindful that we are completely new to this whole process and ask a lot of questions.We could not have been more thankful that Frank was introduced to us by our real estate agent. He immediately connected with us and was helpful every single step of the way. Being new homeowners is an overwhelming experience, but Frank made sure that ...read full review
5.0
5.0 Survey completed on February 3, 2017
Reviewed By charles for Frank Virga
Completed transaction in February 2017
I worked with Alice Wong and Frank for my mortgage application. I am so happy we closed before Chinese new year and moved in right away. Alice helped us a lot, and make the mortgage approved super fast, within 1 month. She gave me lots of help and instructions to prepare all the paperwork, and kept very fluent communication. Everything is perfect! I am really appreciated for everything she did. Thanks again!I worked with Alice Wong and Frank for my mortgage application. I am so happy we closed before Chinese new year and moved in right away. Alice helped us a lot, and make the mortgage approved super fast, within 1 month. She gave me lots of help and in ...read full review
5.0
5.0 Survey completed on February 2, 2017
Reviewed By Chris for Frank Virga
Completed transaction in February 2017
My wife and I had attended an event at which Frank was a guest speaker. We were both impressed with his knowledge and after the even we grabbed him, to introduce ourselves and to discuss what we were planning to do as we weren't ready to purchase our home at that point. Frank answered all the questions that we had at that time and he gave us his card and let us know that if we had any questions at all we could give him a call. Finally the opportunity came where we found a home that we liked and I gave Frank a call. He instantly remembered who we were and we scheduled a meeting to go over everything for the house. He was very knowledgeable and always was looking out for us throughout the process making himself accessible almost 24/7 to answer any questions that we had. He was constantly in contact with my attorney, and the sellers team to make sure that everything ran smoothly. Frank Simplified a process for us and helped us with the biggest and most important purchases in our life. I would highly recommend Frank to any of my friends or family, or anyone looking to purchase a home.My wife and I had attended an event at which Frank was a guest speaker. We were both impressed with his knowledge and after the even we grabbed him, to introduce ourselves and to discuss what we were planning to do as we weren't ready to purchase our ...read full review
5.0
5.0 Survey completed on January 31, 2017
Reviewed By Denise for Frank Virga
Completed transaction in January 2017
Frank was always available to answer any questions and concerns. Highly recommend him.
5.0
5.0 Survey completed on January 27, 2017
Reviewed By Juan Siliezar for Frank Virga
Completed transaction in January 2017
Frank was great!! His whole team is amazing! We used a different bank before and lost a house and almost lost our deposit because they couldn't close the loan,thankfully we found frank and another house and he was able to get everything done using the same paperwork we had provided the previous bank,thanks frank for everything you did for us and for helping us achieve this dream of owning our home.Frank was great!! His whole team is amazing! We used a different bank before and lost a house and almost lost our deposit because they couldn't close the loan,thankfully we found frank and another house and he was able to get everything done using th ...read full review
5.0
5.0 Survey completed on January 26, 2017
Reviewed By Jen for Frank Virga
Completed transaction in January 2017
Customer service is excellent. Very helpful and we we're guided throughout the entire process.
5.0
5.0 Survey completed on January 26, 2017
Reviewed By Karli for Frank Virga
Completed transaction in January 2017
As a first time home buyer applying for a mortgage is overwhelming. The terminology is foreign and the process can be exhausting. Frank Virga and his team at Embrace made this enjoyable! He treats his customers with kindness and patience, making the experience from start to finish seamless. They were available for all of my questions and concerns, putting any doubts at ease. Whether you are a first time home buyer or experienced Embrace Home Loans is the company to choose !As a first time home buyer applying for a mortgage is overwhelming. The terminology is foreign and the process can be exhausting. Frank Virga and his team at Embrace made this enjoyable! He treats his customers with kindness and patience, making the ...read full review
5.0
5.0 Survey completed on January 24, 2017
Reviewed By Nicole for Frank Virga
Completed transaction in January 2017
As many people have horror stories with getting a mortgage I to went through a very rough time. That is until I was put in touch with Frank Virga. In order to provide a proper review I will share what I went through to encourage those looking for a mortgage to be wary and look for someone who is well regarded and not try to take short cuts promised by fast talking bankers who make promises that sound too good. I started my process through a traditional bank as recommended by my real estate agent. Many promises were made as to the speed of the approval and how it would go smoothly without glitches with assurances that if any difficulties were encountered rules could be bent or manipulated to proceed. Never fall for someone who says such things because they obviously are not looking out for your best interest. I continued with this banker thinking things would be fine as he would assure me every week that they were. I became concerned when he would not lock in my mortgage rate in the mid to high 3's coming up with various excuses as to why it was not a good idea. Two weeks before closing he said he would lock me in but at a super high rate (after the rates shot up post election). I felt as though I had no options and had to go with him to proceed with closing. In despair I reached out to my RE agent who directed me to Frank. He reviewed my application after regular business hours and worked to approve my loan at a much lower rate than the previous banker locking me into a rate 50 points lower the same day I received the offer from the 1st banker. My application was approved in less than 2 weeks as he promised. He is definitely a man of his word and does things by the book to make the process go smoothly. Being so nervous I would reach out to him regularly to see the progress of the application. He responded out of patience and understanding of the previous experience I had. The experience was great. My only regret is that I did not speak to Frank first.As many people have horror stories with getting a mortgage I to went through a very rough time. That is until I was put in touch with Frank Virga. In order to provide a proper review I will share what I went through to encourage those looking for a m ...read full review
5.0
5.0 Survey completed on January 21, 2017
Reviewed By John F for Frank Virga
Completed transaction in January 2017
My customer service experience was excellent. Frank was unbelievably professional and always readily available to handle my questions and concerns.
5.0
5.0 Survey completed on January 18, 2017
Reviewed By Gloria for Frank Virga
Completed transaction in January 2017
Frank is very helpful from start until closing. Everything runs smoothly, such a great team. Thank you so much for our new home.
5.0
5.0 Survey completed on January 17, 2017
Reviewed By Ev for Frank Virga
Completed transaction in January 2017
Frank made this process so wounderful and smooth. He promised me he would have us ready to close in 30 days.....we were ready in 28! He explained every detail and there were never surprises. If you are looking to get a great team and a person who is just as invested as you are in getting a home loom no further.Frank made this process so wounderful and smooth. He promised me he would have us ready to close in 30 days.....we were ready in 28! He explained every detail and there were never surprises. If you are looking to get a great team and a person who is ...read full review
5.0
5.0 Survey completed on December 30, 2016
Reviewed By David K for Frank Virga
Completed transaction in December 2016
Frank came to me as a recommendation from my broker Amy Barber. I knew I can shop for other lenders, but when Amy showed me the numbers (closing costs); without hesitation, I picked Frank's company. I am pleased with Frank Virga and his team (Jennifer Timmer, Alice Wong, and Andrew Virga), who helped me through applying for a mortgage on my new home. They made the process a breeze and my loan was approved in two weeks--now to think, it probably took less than said time. Note: Make sure you have your ducks lined-up to easy the paperwork process. Message to Frank: Thanks for holding my hands through the loan process, and you'll be on the guest list of my house-warming!Frank came to me as a recommendation from my broker Amy Barber. I knew I can shop for other lenders, but when Amy showed me the numbers (closing costs); without hesitation, I picked Frank's company. I am pleased with Frank Virga and his team (Jenni ...read full review
5.0
5.0 Survey completed on December 27, 2016
Reviewed By M.Jones for Frank Virga
Completed transaction in December 2016
Frank Virga stayed involved with my loan application from start to closing. Was able to keep the loan on track and keep the whole process moving along. We were able close on our new house in under 60 days.
5.0
5.0 Survey completed on December 21, 2016
Reviewed By Benny Sunnyside for Frank Virga
Completed transaction in December 2016
Frank's professionalism and commitment in helping secure our first home loan made the buying experience for my wife and I so much easier than anticipated. From the first call to the last, he was informative and assuring, which really helps take away some of the stress that comes with the processing as a whole. The online portal that embrace uses made reviewing, printing, and e-signing documents a breeze, and Frank's team did a great job making sure all the info was there promptly and completely for us.Frank's professionalism and commitment in helping secure our first home loan made the buying experience for my wife and I so much easier than anticipated. From the first call to the last, he was informative and assuring, which really helps take away ...read full review
5.0
5.0 Survey completed on November 18, 2016
Reviewed By st for Frank Virga
Completed transaction in November 2016
I have a very demanding work schedule. Frank and Embrace were handling the loan process so well that it was one less thing I had to worry about during my day-to-day.
5.0
5.0 Survey completed on November 18, 2016
Reviewed By Harold for Frank Virga
Completed transaction in November 2016
We are very happy with the way they handled our home loan. As a first time home buyer we absolutely have no idea regarding the process of a buying new house. Frank and the rest of his team are very helpful. They sent me emails on all the steps i needed to do and responded quickly if I have question. We are glad and very satisfied. Thank You Embrace Home Loans.We are very happy with the way they handled our home loan. As a first time home buyer we absolutely have no idea regarding the process of a buying new house. Frank and the rest of his team are very helpful. They sent me emails on all the steps i need ...read full review
5.0
5.0 Survey completed on November 17, 2016
Reviewed By Andrew for Frank Virga
Completed transaction in November 2016
Frank from embrace loans was very helpful and knowledgeable. Being a first time home buyer I had tons of question about getting my mortgage. He took his time to explaine every detail and make me feel comfortable that I was in fact getting the best deal. The whole process was fast and streamlined. I had my loan days after going into contract. Not only was I impressed but my lawyer was shocked. My attorney spoke very highly of Frank and said he was extremely easy to work with and very responsive. Both of us will be referring Frank from embrace loans to all of our family and friends.Frank from embrace loans was very helpful and knowledgeable. Being a first time home buyer I had tons of question about getting my mortgage. He took his time to explaine every detail and make me feel comfortable that I was in fact getting the best de ...read full review
5.0
5.0 Survey completed on November 9, 2016
Reviewed By Richie for Frank Virga
Completed transaction in November 2016
Going in to the home buying process for the first time was very nerve racking for the both of us. I'm sure to this day everyone remembers how they felt then, the fear of the unknown! Frank sat us down in his office and by the end of the meeting we both knew we were in good hands. Frank was very straight forward and honest, you can tell he was being sincere and not just telling us what we wanted to hear. As time went on, just when we thought Frank was going above a beyond to help us, he would kick it up a notch and go even further. Not once did We have to wait for a response to an email or a phone call, he was so quick to answer any questions (trust me, there was a lot of questions). Overall, we are both very happy and would recommend Frank and his team to anyone that is looking to purchase a home!Going in to the home buying process for the first time was very nerve racking for the both of us. I'm sure to this day everyone remembers how they felt then, the fear of the unknown! Frank sat us down in his office and by the end of the meeting we bo ...read full review
5.0
5.0 Survey completed on November 2, 2016
Reviewed By Mange for Frank Virga
Completed transaction in November 2016
Working with Frank Virga was a pleasure. He was professional, efficient and extremely knowledgeable.
5.0
5.0 Survey completed on November 2, 2016
Reviewed By L for Frank Virga
Completed transaction in November 2016
Frank made the whole mortgage process stress-free and was very patient and helpful when answering all questions.
5.0
5.0 Survey completed on October 20, 2016
Reviewed By The Godeks for Frank Virga
Completed transaction in October 2016
Our real estate agent referred to Frank as honest, kind and prompt and she was right. When we first met Frank, we knew nothing about mortgages and what needs to be done to make our dream come true. He gave us detailed advise and hope that this can happen. He was very informative and always returned a phone call/email. He even came in to meet us on the weekend, that meant a lot to us. He is also a proud father and husband and when he talks about his family, it shows that all his hard work goes to them. We highly recommend Frank to anyone.Our real estate agent referred to Frank as honest, kind and prompt and she was right. When we first met Frank, we knew nothing about mortgages and what needs to be done to make our dream come true. He gave us detailed advise and hope that this can ha ...read full review
5.0
5.0 Survey completed on October 13, 2016
Reviewed By Rick & Jen in BK for Frank Virga
Completed transaction in October 2016
Our customer service experience was exceptional. We were referred to Frank as someone who could be a potential help in securing a loan. From our first phone call to our final handshake as new homeowners, Frank has been nothing short of amazing. He took time to explain necessary information as well as recommend the best options available. When compared to other lenders we spoke to, Frank and Embrace Home Loans were far and away the best option for us. From the rate to the costs, we couldn't be happier. Many thanks to Frank and his team for making sure we got our home!Our customer service experience was exceptional. We were referred to Frank as someone who could be a potential help in securing a loan. From our first phone call to our final handshake as new homeowners, Frank has been nothing short of amazing. He to ...read full review
5.0
5.0 Survey completed on October 10, 2016
Reviewed By Toya for Frank Virga
Completed transaction in October 2016
This was my first home purchase and it could not have gone any better! Frank was extremely professional throughout the entire process. He answered every one of my million questions and treated me like I was a priority. My closing was over in 30 minutes! He knows his stuff and directed me in the right direction. I HIGHLY recommend Frank for your home loan needs.This was my first home purchase and it could not have gone any better! Frank was extremely professional throughout the entire process. He answered every one of my million questions and treated me like I was a priority. My closing was over in 30 mi ...read full review
5.0
5.0 Survey completed on September 30, 2016
Reviewed By The Duke for Frank Virga
Completed transaction in September 2016
Excellent communication throughout the process, answered all my questions quickly and professionally and in terms that were easy to understand.
5.0
5.0 Survey completed on August 8, 2016
Reviewed By Christina Q. for Frank Virga
Completed transaction in August 2016
We had a wonderful experience financing our first home with Frank at Embrace Loans! We had been referred to Frank by a couple of satisfied friends, and knew he was the right loan officer for us from our first meeting nearly a year and a half before we purchased our home. Being first-time homebuyers (and not knowing much about mortgages), Frank was exactly what we needed - he was honest, extremely knowledgeable and professional, yet also friendly, caring and patient. Frank (and everyone working with him that took part in processing our loan) are EXCELLENT at what they do - they stayed on top of things and continuously updated us on the progress of our loan throughout the duration of being in contract. I still can't believe how smooth and easy our loan process was (as Frank said, that's how it is supposed to be!) after hearing horror stories from people who had worked with different banks. Frank was always available through phone and email - I couldn't believe how quickly he would respond (even on the weekends). Frank was so patient dealing with my insane amount of questions, always taking the time to walk me through my options and answer any and all of my questions. We really felt so comfortable working with Frank - we can't say enough wonderful things about him! I would recommend Frank and Embrace Loans to all of my friends and family without hesitation - he is the BEST at what he does. Thanks again, Frank!We had a wonderful experience financing our first home with Frank at Embrace Loans! We had been referred to Frank by a couple of satisfied friends, and knew he was the right loan officer for us from our first meeting nearly a year and a half before w ...read full review
5.0
5.0 Survey completed on August 5, 2016
Reviewed By Michele for Frank Virga
Completed transaction in August 2016
From the moment we met Frank, he always had our best interest at heart. He was always available and ready to assist with any questions we had. I highly recommend Frank!
5.0
5.0 Survey completed on July 31, 2016
Reviewed By Scott and Angela for Frank Virga
Completed transaction in July 2016
Frank was a truly valued member of our team for our first home purchase in Brooklyn. He was instrumental in providing guidance on the lending process and was always available to take our calls regardless of the time of day. We look forward to working with Frank in the future.Frank was a truly valued member of our team for our first home purchase in Brooklyn. He was instrumental in providing guidance on the lending process and was always available to take our calls regardless of the time of day. We look forward to working ...read full review
5.0
5.0 Survey completed on July 13, 2016
Reviewed By Brian for Frank Virga
Completed transaction in July 2016
Our experience with Frank could not have been better. The process of buying a home can be daunting but Frank did an incredible job of walking us through everything from start to finish and made the process of obtaining a mortgage completely seamless. Frank was incredibly responsive and extremely helpful throughout and I would highly recommend Frank and Embrace Loans to anyone in the market to purchase a home.Our experience with Frank could not have been better. The process of buying a home can be daunting but Frank did an incredible job of walking us through everything from start to finish and made the process of obtaining a mortgage completely seamless. ...read full review
5.0
5.0 Survey completed on July 5, 2016
Reviewed By Jason cullinan for Frank Virga
Completed transaction in July 2016
All aspects of the loan process were excellent and handled timely
5.0
5.0 Survey completed on June 29, 2016
Reviewed By Marty for Frank Virga
Completed transaction in June 2016
I could not have asked for a better guide through this process than Mr. Virga (Frankie). He made it simple to understand everything, made sure I knew exactly where I stood every step of the way, answered all of my questions, and put up with all my anxiety throughout. Not to mention scored me a great rate on my mortgage! I will be recommending him every chance I getI could not have asked for a better guide through this process than Mr. Virga (Frankie). He made it simple to understand everything, made sure I knew exactly where I stood every step of the way, answered all of my questions, and put up with all my a ...read full review
5.0
5.0 Survey completed on June 4, 2016
Reviewed By Vito for Frank Virga
Completed transaction in June 2016
Great man to work with quick and responsive and got the job done also the fastest closing of my life and my lawyers .
5.0
5.0 Survey completed on June 1, 2016
Reviewed By Justin & Erin for Frank Virga
Completed transaction in June 2016
Frank was very patient and explained everything to us multiple times. He made the "stressful" process of acquiring a mortgage any but stressful. Everything was efficient and painless. He always responded to our emails quickly and would be available for a call anytime we needed one. I recommend Frank to anyone looking for a mortgage.Frank was very patient and explained everything to us multiple times. He made the "stressful" process of acquiring a mortgage any but stressful. Everything was efficient and painless. He always responded to our emails quickly and would be available f ...read full review
5.0
5.0 Survey completed on May 12, 2016
Reviewed By Fritz for Frank Virga
Completed transaction in May 2016
Through everything Frank was great. Alice Wong was fantastic as well. The were always prompt, courteous and thorough. I would highly recommend them and if the time comes I will be using them again.
5.0
5.0 Survey completed on May 4, 2016
Reviewed By Greg for Frank Virga
Completed transaction in May 2016
Frank and his team at Embrace Home Loans did a fantastic job. From the onset, Frank was very available and even met with me outside of his office to just go over the basics and give me an idea of my spending power and the process before I was even ready to look for a home. The process was very easy and most of it was done electronically. The attorneys at the closing commented that it was the fastest closing that they have been a part of. Thank you again and I look forward to referring Embrace Home Loans to all my family and friends in need of financing.Frank and his team at Embrace Home Loans did a fantastic job. From the onset, Frank was very available and even met with me outside of his office to just go over the basics and give me an idea of my spending power and the process before I was even re ...read full review
5.0
5.0 Survey completed on March 14, 2016
Reviewed By Shane for Frank Virga
Completed transaction in March 2016
From beginning to end, Frank and his team at Embrace Home Loans did a fantastic job. The process was simple, Frank was knowledgable and informative, and overall it was a pleasurable experience. These are attributes everyone should experience when making such an important purchase. Thank you again and I look forward to referring Embrace Home Loans to all my family and friends in need of financing.From beginning to end, Frank and his team at Embrace Home Loans did a fantastic job. The process was simple, Frank was knowledgable and informative, and overall it was a pleasurable experience. These are attributes everyone should experience when m ...read full review
5.0
5.0 Survey completed on March 9, 2016
Reviewed By Arlene for Frank Virga
Completed transaction in March 2016
Frank was awesome, he is a man of his word! Was able to process my mortgage within three weeks. He responded to emails quickly and kept me informed of each step. He was very professional and courteous, highly recommend Frank and Embrace Mortgage!
5.0
5.0 Survey completed on March 6, 2016
Reviewed By Amy and Jeff for Frank Virga
Completed transaction in March 2016
Frank and his assistant Alice went above and beyond to help us buy our home. There were negative claims on my credit report that were errors. I provided the proof and Drank completed a rapid recovery for my credit which brought my credit score back up where it should have been and we bought a beautiful home that we are remodeling right now and we couldn't be happier or more grateful to Frank and his team for all they did to help us. Embrace makes the whole home buying process as simple and stress free as possible. Ease of use with their website and processing necessary documents is a breeze. Frank was always just a quick phone call away to help us newbies through. Knowledgable and thorough, a perfect 10 in service and all spheres of mortgage lending. I have referred Frank to my brother and best friend.Frank and his assistant Alice went above and beyond to help us buy our home. There were negative claims on my credit report that were errors. I provided the proof and Drank completed a rapid recovery for my credit which brought my credit score back u ...read full review
5.0
5.0 Survey completed on August 25, 2015
Reviewed By ATLachar for Frank Virga
Completed transaction in August 2015
Frank was outstanding. I can't provide enough positive feedback. He understood my needs, was an excellent communicator, made this process as stress-free as possible and helped me attain a life-long goal in about 6 weeks. Throughout the process others in my life were saying, 'you'll never close by September 1. The process just doesn't move that quickly. You'll see'. Well, I had my clear to close on August 4, almost an entire month before my deadline. He was patient with me (as a first time home buyer I had many questions), explained everything so I understood every step of the way, and and made the most stressful part of buying a house a breeze. I strongly recommend Frank and Embrace Home Loans and will be passing his card around to anyone who will listen!Frank was outstanding. I can't provide enough positive feedback. He understood my needs, was an excellent communicator, made this process as stress-free as possible and helped me attain a life-long goal in about 6 weeks. Throughout the process others ...read full review
5.0
5.0 Survey completed on August 10, 2015
Reviewed By Tim10 for Frank Virga
Completed transaction in August 2015
This is the 5th house I have bought in my lifetime and working with Frank was BY FAR the best experience I have ever had during the home buying process. He was available day and night to answer questions, provide advice and calm nerves. He's one in a million. Thanks Frank. I'll highly recommend you to my friends.This is the 5th house I have bought in my lifetime and working with Frank was BY FAR the best experience I have ever had during the home buying process. He was available day and night to answer questions, provide advice and calm nerves. He's one in a ...read full review
5.0
5.0 Survey completed on May 4, 2015
Reviewed By KevKer2014 for Frank Virga
Completed transaction in May 2015
We are so pleased with our experience with Frank Virga and Embrace Home Mortgage/Loans. Our new home is perfect and we couldn't be happier. Frank helped us with every step, and was there anytime we had questions. We got a great rate! The process was easy and painless. Frank kept all his promise and we highly recommend that everyone work with him and Embrace.We are so pleased with our experience with Frank Virga and Embrace Home Mortgage/Loans. Our new home is perfect and we couldn't be happier. Frank helped us with every step, and was there anytime we had questions. We got a great rate! The process was ...read full review
5.0
5.0 Survey completed on April 30, 2015
Reviewed By MikeAndrea108 for Frank Virga
Completed transaction in April 2015
Today my wife and i closed on our house! Thanks to Frank Virga who made this process extremely easy! He went above and beyond for us and looked out for us in every way possible!! We are so glad that we gave him a call and decided to use him as our lender, i highly recommend him!! Thanks Frank for everything!Today my wife and i closed on our house! Thanks to Frank Virga who made this process extremely easy! He went above and beyond for us and looked out for us in every way possible!! We are so glad that we gave him a call and decided to use him as our le ...read full review
5.0
5.0 Survey completed on March 5, 2015
Reviewed By SamiaW for Frank Virga
Completed transaction in March 2015
We just closed on a house and it was an absolute pleasure working with Frank. He was always available when we had questions on anything. Frank made the whole mortgage and home buying process very bearable. He simplified everything for us and helped us along the way. Everything was as quick and efficient as you would hope getting a mortgage would be. I highly recommend Frank for your mortgage needs. I guarantee you will not be disappointed when working with Frank.We just closed on a house and it was an absolute pleasure working with Frank. He was always available when we had questions on anything. Frank made the whole mortgage and home buying process very bearable. He simplified everything for us and helped u ...read full review
5.0
5.0 Survey completed on January 13, 2015
Reviewed By Tommy for Frank Virga
Completed transaction in January 2015
Frank was very easy to talk to and guided us through the whole process of buying our first home. Whenever we had a question or concern, Frank was always happy to answer and clarify things for us. He truly worked with us and went the extra mile to help us achieve our dream of becoming homeowners.Frank was very easy to talk to and guided us through the whole process of buying our first home. Whenever we had a question or concern, Frank was always happy to answer and clarify things for us. He truly worked with us and went the extra mile to hel ...read full review
5.0
5.0 Survey completed on January 13, 2015
Reviewed By Matt for Frank Virga
Completed transaction in January 2015
I will recommend Frank to all family/friends/coworkers in need of a mortgage without an ounce of hesitation. He was available all day everyday. He had answers for every one of the 100 or so questions I threw at him. He was able to get my closing done in the short amount of time that I had to move. The bottom line is that hes personable, he works hard, and he knows his stuff like the back of his hand. You'd be hard pressed to find anyone better than Frank.I will recommend Frank to all family/friends/coworkers in need of a mortgage without an ounce of hesitation. He was available all day everyday. He had answers for every one of the 100 or so questions I threw at him. He was able to get my closing done ...read full review

Get a Quote

from Frank Virga
 
View Our Video Library
WATCH VIDEOS

© 2017 Embrace Home Loans. All rights reserved |

NMLS #2184 | nmlsconsumer.org | Licensing Info