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No Hassle Home Loans: Virginia Fargo
INDEPENDENT MORTGAGE BROKER #299320

Virginia Fargo, NMLS #299320, is a mortgage loan originator and broker with Empire Home Loans, providing No Hassle Home Loans throughout Arizona. Virginia specializes in helping homebuyers and homeowners in Scottsdale, Phoenix, Gilbert, Fou... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 10 PM
Thu
9 AM to 10 PM
Fri
9 AM to 10 PM
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Reviews from Web
Virginia is by far an excellent realtor when it comes to purchasing a home. She walked us through the process step by step and was completely honest, transparent, knowledgeable, reliable, and overall just made it our home buying experience...
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Reply from Virginia Fargo
May 3rd, 2025 07:39 PM
Thank you so much, Brenda! It was truly an honor to help you and your husband achieve homeownership. I’m beyond grateful we were able to “fire the landlord” and start building wealth and stability for your family. Thank you for choosing me...
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Virginia is wonderful. She helped us every step of the way with our refinance home loan. She listened to our needs, researched and found a loan to meet our needs efficiently & quickly. She helped us & was available to answer any questions we...
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Reply from Owner
May 30th, 2025 12:00 AM
Thank you so much for the kind words! It was truly a pleasure helping you with your cash-out refinance. I’m thrilled we were able to get your loan clear to close in just 3 days—that kind of speed comes from great teamwork, clear communication,...
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Virginia helped us get a great rate on our our HELOAN. She was responsive, and the process was easy and fast!
Reply from Virginia Fargo
May 2nd, 2025 09:59 PM
Thank you so much Matthew F. for your kind words and trust throughout the process! I’m truly grateful for the opportunity to help you with your HELOAN and thrilled we were able to secure a great rate for you. It was a pleasure working with...
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Absolutely an amazing person and even better at her profession! She was great at every step of the loan process and very diligent at communicating. Very results oriented but with a superior amount of amazing customer service!
Reply from Virginia Fargo
May 2nd, 2025 08:54 PM
Thank you kindly Jose! It was a true pleasure serving you! Thank you for trusting me with your home loan. If you need anything going forward, please reach out, I can help you!
Virginia helped us get a great rate on our our HELOAN. She was responsive, and the process was easy and fast! The loan was funded very quickly which allowed us to get the ball rolling on our home updates!
Reply from Owner
May 30th, 2025 12:00 AM
Thank you, Matt! I’m so glad I could help you secure a great rate on your home equity loan. It was a pleasure working with you, and I’m especially happy the process was smooth and fast—getting it funded quickly was key to helping you tap into...
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Virginia’s personality
Reply from No Hassle Home Loans: Virginia Farg...
May 28th, 2025 10:41 PM
We appreciate your positive rating and are glad to hear you enjoyed working with Virginia. Her personality certainly brings a great energy to our team. Thank you for your feedback.
Everyone on the team did a great job through the entire process.
Virginia is a very professional individual who has full understanding on loans market conditions. In addition, she is extremely responsive and her communication skills make everything very easy to understand. I will definitively look for her...
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Reply from Virginia Fargo
June 7th, 2022 05:34 PM
Thank you so much for completing our survey. We truly appreciate your positive feedback. I have built my business on strong referral relationships. Please keep me in mind if you know anyone that needs assistance with a home loan either a purchase...
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Great service
Reply from Virginia Fargo
May 17th, 2022 04:18 PM
Thank you so much for completing our survey. We truly appreciate your positive feedback. I have built my business on strong referral relationships. Please keep me in mind if you know anyone that needs assistance with a home loan either a purchase...
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Virginia is such a professional. She listened and did everything she could to assist and make this experience wonderful. Virginia does an exceptional job with kindness and grace.
Reply from Virginia Fargo
May 17th, 2022 04:18 PM
Thank you so much for completing our survey. We truly appreciate your positive feedback. I have built my business on strong referral relationships. Please keep me in mind if you know anyone that needs assistance with a home loan either a purchase...
read more
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About
Virginia Fargo, NMLS #299320, is a mortgage loan originator and broker with Empire Home Loans, providing No Hassle Home Loans throughout Arizona. Virginia specializes in helping homebuyers and homeowners in Scottsdale, Phoenix, Gilbert, Fountain Hills and across Maricopa County with first-time homebuyer loans, FHA, VA, conventional, jumbo, down payment assistance, refinancing and financing for self-employed borrowers. Since 2011, she has focused on making mortgage financing simple and transparent while helping borrowers understand their options and make confident home financing decisions.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Mortgage Lender
Down Payment Assistance
Mortgage Refinance
USDA Loans
Cash-Out Refinances
DSCR Loans
Profit & Loss Only Mortgage
ITIN Mortgage Loans
Bank Statement Mortgages
Specialities
FHA & VA
Conventional
USDA 100% Financing
Jumbo
Down payment assistance
DSCR, 1 year 1099, no income verification, no debt to income ratio loan
Commercial loans
Chattel Loans on Leased Land
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Positions
- Empire Home Loans - Mortgage Loan Originator Mortgage BrokerMar 7th, 2023 - Current
- Stearns Lending - Branch Manger Sr Loan ConsultantApr 4th, 2011 - Mar 3rd, 2023
Memberships
- NMLS
- Moon Valley Homeowners Association
- Space Force Association
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2011
Time Zone
Pacific Standard Time (PST)
Licenses
- Arizona mortgage loan origination
- California mortgage loan origination
- Florida mortgage loan origination
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Awards
MLK Living the Dre...
2026 Women With Vi...
Achievements
- 2020 Arizona Business Angels Top Volunteer
- 2020 City of Phoenix MLK Living The Dream Award Recipient Honoree
- March 2025 Empire Home Loans Top Producer
Hobbies
- Hiking
- Exploring Mayan Ruins
- Astronomy
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Disclaimer
Not a commitment to lend. Equal Housing Opportunity. Additional terms and conditions apply.