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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
A wonderful person to work with, glad to have her as a loan officer. Thank you
Virginia takes the pain out of the mortgage process and smoothly wake you through any roadblocks you run into!
Ms. Virginia,
Stayed the course, adapted to changes and made sure that all 4 my were refinanced per the qualifications that could be supported by the refinancing process.
Dwayne
Virginia was always in contact with us by email or phone. She kept us aware and up to date on all activities in which we were to participate and make choices. We appreciated her experience and upbeat attitude.
I have bought and sold several homes and dealing with Virginia and Stearns Lending was easily the best service I have ever had from a lender. I have a great real estate agent and she commented about how responsive and informative Virginia was....
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Virginia,
Showed me commitment and understanding.
She fought the good fight, to make sure that entire mortgage team saw what she was seeing in me and my mortgage refinancing files...
Dwayne
I have had the pleasure of working with Virginia three times now. Shes always there to answer any questions you might have. Its always stressfull buying a new home or refinancing but she makes it very easy and is there every step of the way....
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Virginia was very professional and easy to work with, she was very helpful in helping me with everthing I needed to get my refinance completed in such a short time. I highly recommend her , she will not disappoint😊!
Having a business partner that saw the total picture of my efforts to be credit worthy and that was willing to go to the mat for me in those gray areas.
Virginia was very knowledgeable and helpful throughout the entire refinance process. I loved the fact that she kept me up to date and she was always available when I had any questions. I had a very pleasant experience working with Virginia...
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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.