A little bit about Frank
I pride myself on service, and I strive to make the home purchase process stress free. I make it a point to meet with clients to discuss everything in terms of closing costs, interest rates and loan programs so together we can find the best possible loan solution. From pre-approval to closing, I am there every step of the way to answer any questions or concerns. Equal Housing Lender
www.nmlsconsumeraccess.org
Direct mortgage lender. Licensed in CT, FL, MO, NJ, NY, PA, WI
Frank's Reviews
We survey everyone who has submitted a loan application with this lender, whether the loan closed or not.
Customer did not leave review comments.
Customer did not leave review comments.
From submitting our application till finally approval was quick and easy..
Frank and his team were great through the entire process. I would recommend them to anyone for their mortgage needs.
Frank and his team were extremely helpful and easy to work with. They were also quick and efficient. Frank was there to answer any questions we had throughout the process anytime we needed.
Embrace was awesome. They gave us the best rate that no one else was able to match, and were very prompt with all replies whenever we needed anything. We highly recommend them!
Customer did not leave review comments.
Fantastic communication and explanation of the entire process during our mortgage application. Frank was extremely helpful, and was the reason we were able to close on the house of our dreams! They had everything completed in a very timely manner without any delays or issues. I would highly recommend Embrace Home Loans. Ask for Frank Virga!
Buyer Closed Jun '22Tappan, NY
$940,000 • 1st Time Buyer
Customer did not leave review comments.
While our experience with Embrace started off nice, there was so much miscommunication and us having to follow up, it just added more stress to us in a time we really did not need it
Buyer Closed Apr '22Medford, NY
$600,000 • 1st Time Buyer
Customer did not leave review comments.
Very reliable and informative.
Frank Virga is amazing. He is very responsive, communicates clearly, and very pleasant to work with.
Frank and his team at Embrace are the best. They make the loan process very easy. They answer all of your questions and explains everything well. Also, the entire Embrace team is available anytime you need them.
They are a great team of professionals. They answer any question you have and are very thorough with their work down to the last period. Better rates than any bank or mortgage service. Would definitely recommend to anyone looking for a house.
Frank and his team were great during the process. Would use again.
Frank answered all my questions. He explain the whole loan process.
Embrace was outstanding in their responsiveness all along the way. Highly recommended!
Frank was wonderful to work with! We have never had such an easy home buying process. We have already recommended Frank and Embrace and will continue to do so to anyone who needs mortgage or refinance assistance.
Customer did not leave review comments.
Good company best rates around Frank a shark in this business and will get you the best rate possible that is out there.
Customer did not leave review comments.
Buyer Did Not Sell Jul '20Smithtown, NY
$609,000
Customer did not leave review comments.
Made the loan process painless and fast. Everything was streamlined. Always available for any questions. I expected redundancy and a drawn out process. None of this happened with Frank and his team.
I received Frank's recommendation from my Redfin agent. After reviewing a few home loans on my end, I was relieved and delighted with Frank's extensive knowledge on loans. After reviewing his credentials, he was more than capable of handling my loan and made the process seem less intrusive and more like a family member helping me out with finances. I would recommend Frank to any of my family and friends.
Frank and his team were extremely supportive throughout the entire process and made me feel from day one as though my loan was a top priority. I appreciate all the effort put forth from start to finish! Dream team...
Great experience with Frank!!! He also was willing to do personal favors along with my agent to help my wife and I complete this move! Fantastic service and got me great rates!!!
Customer did not leave review comments.
Very kind, helpful and caring.
Buyer Closed Feb '19Lynbrook, NY
$480,000
Customer did not leave review comments.
Buyer Closed Oct '18Patchogue, NY
$435,000
Customer did not leave review comments.
Company was very quick to respond to all emails and questions. (even my inane questions).
Frank is fantastic and dynamic person, he is one stop solution for all your loan needs
We cannot recommend Frank and the Virga team at Embrace Home Loans enough! Frank went above and beyond to ensure that the entire process was quick and painless for us. He is the absolute best!
Customer did not leave review comments.
Buyer Closed Nov '17St. James, NY
$545,000 • New Construction • 1st Time Buyer
Frank and his team are great and did everything they promised. Would highly recommend for your mortgage needs
Buyer Closed Nov '17Holbrook, NY
$475,000 • 1st Time Buyer
This is my second time using Frank for my mortgage needs. Both times Frank has made the process as smooth as possible. This time was even easier with the ability to e-sign all documents. I had many questions throughout the process and a desire to close quickly. Frank and his team answered all my questions and was able to close quickly for me. I highly recommend Frank for your mortgage needs.
I found Frank Virga to be very helpful and honest. Qualities you want from your Mortgage provider. Frank is straight with you and will tell you the truth. Deal didn't close due to home appraising 57k short of contract price. I will be using Frank for my next deal and would Recommend him to everyone I know.
Buyer Did Not Sell Aug '17Holbrook, NY
$437,000 • 1st Time Buyer
Frank is great! He responded to all of my questions, and whenever I took a little longer then usual to respond, his polite and gentle nudges always helped me get back on track! I feel so fortunate to have worked with someone who is knowledgeable.
t’s a pleasure to work with Frank. He was always very responsive and attentive to all my needs. He always responds in timely manner irrespective of the day for all my questions. My experience with Frank was very good and I would definitely recommend him to anyone who is looking for loan for theirto new home.
Customer did not leave review comments.
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!
Very good servic with frank Virga he helped me do my closing on very short time smooth transaction
Buyer Closed Feb '17Deer Park, NY
$363,000 • 1st Time Buyer
Absolutely will and had referred him to other people. He made the process of buying our first home a great experience. We can't thinks him enough for all the great and hard work that he has done!
Buyer Closed Jan '17Levittown, NY
$387,000 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Jan '17Massapequa Park, NY
$460,000 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Dec '16Northport, NY
$525,000 • 1st Time Buyer
Frank made getting a mortgage a stress-free and easy process. He is very knowledgeable and did his best to make sure we got the best loan and even got us credits towards closing! He was always quick to answer questions, and patient and kind while answering all of them all throughout the process.
Buyer Closed Oct '16N. Bellmore, NY
$315,000 • 1st Time Buyer
Frank sealed the deal for us! We were able to purchase our first home! Would highly recommend!
Buyer Closed Sep '16Centereach, NY
$295,000 • 1st Time Buyer
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