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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(Open now)
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Reviews from Web
Excellent Service provided to her clients.
Easy to work with. Very knowledgeable.
Brian D. Greenberg, Esq.
Reply from Owner
September 1st, 2026 05:41 PM
Brian, I'm pleased to hear that you found my service knowledgeable and easy to work with. Your kind words are truly appreciated, and it's wonderful to know I've been able to assist you effectively.
This women is awesome and Helped Me Tremendously, I highly recommend Virginia any time.
Reply from No Hassle Home Loans: Virginia Farg...
September 1st, 2026 05:42 PM
I'm glad to hear that I was able to help you improve your credit for home ownership, thank you so much, Derrick. Your recommendation means a lot, and I appreciate your kind words. Looking forward to seeing you get the keys to your home soon....
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There are not enough stars to describe how incredible Virginia and her team are. We went from contract acceptance to closing in 16 days. This is our 4th Loan that we have closed with her and each experience gets better than the next. Highly...
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Reply from Owner
September 1st, 2026 05:44 PM
Jodi, I'm so grateful for your kind words and continued trust in my services. It's wonderful to hear that each experience has been better than the last, and I'm pleased we could close your loan so quickly on your home loan. Thank you for your...
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To say that Virginia goes above and beyond is an understatement. She hand walked me through the entire loan process with patience and will jump through hoops to get you to the finish line. I 100% recommend using her expertise and drive for...
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Reply from Owner
August 17th, 2026 10:35 PM
Jana, I'm grateful for your kind words and recommendation. It's wonderful to hear that I could guide you through the Phoenix home loan process effectively. Your satisfaction is important to me, and I'm pleased to have been able to help achieve...
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I had an excellent experience working with this Virginia, She was professional, knowledgeable, responsive, and genuinely committed to making the mortgage process as smooth and stress-free as possible. She took the time to explain every step,...
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Reply from Owner
August 17th, 2026 10:33 PM
I'm glad to hear that you had such a positive experience working with me, Laith. Your kind words about my professionalism and dedication to making the mortgage process smooth are greatly appreciated. Thank you for recommending me, and I'm pleased...
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Virginia, is the most helpful and hardworking loan agent that I have had the pleasure to deal with. She cares about people and looks after their best interest.
Reply from Owner
July 28th, 2026 07:06 PM
Thank you so much Dean for your kind words! It truly means a lot to me that you took the time to share your experience. My goal is always to put my clients’ best interests first and make the home loan process as smooth and stress-free as possible....
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Virgina îs the ultimate professional. She's attentive to her client's requirements and knows exactly what solutions to provide. She's an excellent communicator, articulate, and eloquent. She did a great job for me and will work with her again...
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Reply from No Hassle Home Loans: Virginia Farg...
July 17th, 2026 01:13 AM
Michael, I appreciate your kind words about my professionalism and communication skills. I'm glad to hear that you had a positive experience and that you're planning to work with me again. Thank you for recommending me for home loan needs!...
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Virgina îs the ultimate professional. She's attentive to her client's requirements and knows exactly what solutions to provide. She's an excellent communicator, articulate, and eloquent. She did a great job for me and will work with her again...
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Reply from Owner
July 19th, 2026 12:19 AM
I'm glad to hear that I provided you with such a professional and attentive experience, Michael. Your recommendation and kind words mean a lot, and I'm pleased that my communication skills and solutions met your needs. Thank you for sharing...
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If We could give Virginia more than a 5-star rating it would be well deserved, Virginia has been a blessing throughout this process. She took the time to explain everything clearly, helped us understand what we needed to do to reach our goals,...
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Reply from Owner
July 17th, 2026 12:43 AM
Sonia, I'm so grateful for your kind words and high recommendation. It's truly rewarding to know that my guidance and support made a positive impact on your home financing journey. I'm pleased to have been able to assist you in reaching your...
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Lots of great help 👍👍👍
Thank you very much!
Reply from Owner
June 22nd, 2026 10:33 PM
I'm pleased to hear that you found the help to be great, Nick. Thank you for taking the time to share your positive experience. If you need any further assistance, I can help you!
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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.