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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
Fri
9 AM to 10 PM
Sat
10 AM to 10 PM
Sun
10 AM to 10 PM
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Reviews from Web
This loan officer ; Ms Virginia Fargo was very professional, courteous, friendly, and thorough in her efforts to help me finalize my home loan refinancing CONGRATULATIONS STEARNS.SHE'S A KEEPER!!
Reply from Virginia Fargo
April 28th, 2022 05:56 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 gave my wife an excellent experience she is very precise and has a wonderful customer service. She communicated everything to us and made us feel at ease. I will use Virginia again if I have to refinance again.
Reply from Virginia Fargo
April 28th, 2022 06:02 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
When Virginia said that she could help me, she meant it. She made the process as easy as it could be. I would love to work with Virginia again should I need to buy another house in the future.
Virginia is great! She is knowledged, answered all my questions very throughly nd in a timely manner. Offered and explained all my options. She has a great personality and is a delight to work with!
Thank you for everything !
She was very professional, precise, good communicator and made the whole process very seamless. She was very easy to get ahold of and did not leave you wondering. I will refer many more people to her. For such a stressful transaction she made...
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She was very professional, precise, good communicator and made the whole process very seamless. She was very easy to get ahold of and did not leave you wondering. I will refer many more people to her. For such a stressful transaction she made...
read more
Reply from Owner
May 30th, 2025 12:00 AM
Thank you so much for your kind words! I'm so glad to hear the process felt seamless and stress-free—that’s always my goal. Communication, clarity, and follow-through are key, especially during such an important transaction, and I’m truly honored...
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Super attentive and responsive, Virginia continues to provide excellent customer service. I highly recommend Virginia and her team!
Virginia was very professional, courteous and supportive. She kept me well informed along the way, and answered all of my questions. She made the process painless.
Thank you Virginia! :-)
Virginia was super helpful and did great work in getting us the best loan
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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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Gallery
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+6
Videos
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.