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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
Great service!
Virginia Fargo ROCKS!!!!
Virginia and team were top notch!! Would use them again in a heartbeat!!
Virginia and her team were able to get me a great re-fi rate within a 30 day window.
She was prompt at replies and answering my questions. I never felt like I was left hanging.
Thanks Virginia!
Virginia made it great. She was pleasant to work with.
My second time refinancing my home with Virginia. She goes above and beyond to ensure the experience is as smooth as possible.
Virginia goes the extra mile to make it happen. I really appreciate her hard work to make it all happen. She always answered my questions quickly and promptly. She was honest about all costs associated with the loan and worked really hard since...
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Virginia work really hard on my refinance loan she also took the time to explain, everything that was going on with my loan. She also explain what else need it to complete with the loan. She make sure everything was on track and kept me in...
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Reply from Owner
May 30th, 2025 12:00 AM
Thank you so much for your thoughtful review! It was a pleasure working on your refinance loan, and I’m so glad you felt supported and informed every step of the way. I believe clear communication and guidance are just as important as getting...
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All the assistant thru the whole process made it very helpful. Thank you and all the team for everything.
Reply from Virginia Fargo
April 28th, 2022 05:53 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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This is the second time I work with Virginia, she is the BEST! I would highly recommend her!
Reply from Virginia Fargo
April 28th, 2022 05:53 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.