Skip To main content
Frank Virga

New York - Hauppauge

100 Motor Parkway, Suite 590

Hauppauge, NY 11788


About Frank

Frank Virga joined Embrace in June 2014 as a Senior Loan Officer at our Hauppauge, Long Island office. He plays a significant role in lending to the tri-state area, and his strong presence in the industry is backed by consistent exchanges with referral partners and an extensive list of satisfied clientele.

Frank spends much of his free time leading Homebuyer seminars and Realtor® events to maintain his knowledge of the ever-changing industry. He was named among the Top 50 Social Survey customer feedback winners, and he has consistently been a part of Embrace’s Presidents Club since joining us. In 2015, 2016, 2017, and 2018 he was recognized within the industry as one of the top 1% Loan Originators in Mortgage Executive Magazine.

Frank is a strong believer in building relationships that last a lifetime. He takes great pride in going the extra mile in order to help customers find the solutions needed to become homeowners while helping them save money. He enjoys sharing his knowledge of the mortgage industry with every customer, as well as helping them make informed decisions about their futures.

Frank grew up in Commack, NY but currently resides in Smithtown, New York with his beautiful wife, Eva and two amazing sons. Frank values quality time with his family and friends, and enjoys playing softball and fly fishing.

Scotsman Verified Top Producer 2019newyork home loans Profile for Frank Virga Top 1% Mortgage Originators 2019  Social Survey 2019 Award    embrace home loans presidents club

 2018, 2017, 2016, 2015

New York Home Loans

Embrace Home Loans Founders Club Inducted Oct 5,2020

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on November 26, 2020

    Review By Jason D. for Frank Virga

    Completed transaction in November 2020

    It was pleasure working with Frank and his colleagues. He was very helpful throughout the process and was able to answer any questions we had.

  • 5.0

    5.0 Survey completed on November 24, 2020

    Review By Christopher H. for Frank Virga

    Completed transaction in October 2020

    Frank is fantastic, incredibly generous with his time and open with his knowledge. Made me feel as if he was my ally, not my banker.

  • 5.0

    5.0 Survey completed on November 23, 2020

    Review By William B. for Frank Virga

    Completed transaction in November 2020

    Frank and team were excellent, plenty of communication and very quick turnaround to approval. Thank you.

  • 5.0

    5.0 Survey completed on November 22, 2020

    Review By Vasu S. for Frank Virga

    Completed transaction in October 2020

    It’s awesome to work with Frank! He is both knowledgeable and professional. Like other lenders he won’t rip you off with hidden fees and elevated interest rates. I can definitely vouch for him. If you are looking for mortgage he should be your go to guy.

  • 5.0

    5.0 Survey completed on November 21, 2020

    Review By Robert N. for Frank Virga

    Completed transaction in November 2020

    We started the pre-approval process with Frank in March of 2020 late Sunday night and ended up closing Mid November! Each house, offer, and time a house fell through, he was there to educate and help us through what seemed like a whirlwind of paperwork/information. He was available to explain the process, closing costs, and make buying our first home less scary & anxiety driven. Threw text, phone or email, he made us feel the mortgage company was in our corner and would do what they could!

Loan in progress?
Refis Fall, While Purchase Loans Surge Over Thanksgiving Holiday

Mortgage applications dropped this week, though only slightly. According to the Mortgage Bankers Association, refinance applications dipped 5% for the week, while purchase activity rose 9%. Both remain higher than last year’s numbers (by 102% and 28%, respectively).  Here’s what Joel Kan, MBA’s associate vice president of economic and industry forecasting, had to say about…

Read More