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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
My partner and I will be getting married in March, 2019. We figured it would be a good idea to get our finances in check, we went to 2 lending offices and we were denied because of debt to income ratio and my student loans. My coworker referred...
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My partner and I will be getting married in March, 2019. We figured it would be a good idea to get our finances in check, we went to 2 lending offices and we were denied because of debt to income ratio and my student loans. My coworker referred...
read more
Reply from Owner
May 30th, 2025 12:00 AM
Thank you so much for sharing your story—it truly touched my heart. Helping you and your partner achieve financial stability and reach such a meaningful milestone means everything to me. I know the process had its challenges, but your trust,...
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We were disappointed with our experience . Our moving expenses quadrupled because of changes in the contract concerning the closing date. It was changed from Monday to Friday to the next Monday afternoon,after my husband sent the moving help...
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Virginia constantly kept on top of everything, as well as always keeping me up to date on on everything that was happening. She was beyond helpful and way beyond pleasant to work with.
Virginia was always very willing to answer any questions and was very professional. She was quick to respond on everything, and for items that couldn’t be handled immediately she provided timelines and explanations for the the process. She...
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VIrginia was very knowledgeable and was always willing to help.
Virginia made buying a house easy and a pleasant experience. I was not stressed throughout the entire process. Virginia was knowledged and attentive. She was a pleasure to work with.
Excellent personality, prompt ,
and hardworking throughout the entire process.
Virginia was amazing! She helped me get the house I wanted and made the entire proses so easy I honestly couldn’t believe it!
I Really enjoyed her professionalism, her kindness, and her quickness to help me out. Thank you virginia for your wonderful help.
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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.