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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
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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
Virginia got our loan through right at the wire. Thanks for your efforts.
Reply from No Hassle Home Loans: Virginia Farg...
September 21st, 2025 06:50 PM
I'm glad to hear that I was able to assist you in securing your loan just in time, Tony. Your acknowledgment of my efforts means a lot, and it's great to know that everything worked out smoothly. If there's anything else you need help with...
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No Hassle Home Loans: Virginia Fargo has received a review with 5 star rating from Anthony P
Reply from Owner
September 21st, 2025 06:51 PM
I wanted to express my gratitude for your positive rating, Anthony. It's great to know you were pleased with the service. If there's anything further I can do for you, don't hesitate to reach out.
Virginia helped us refinance our mortgage in only 23 days. She is extremely responsive, trustworthy and knowledgeable. This is not our first transaction with Virginia and we are very pleased with the result. If she says she can help, she really...
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Reply from No Hassle Home Loans: Virginia Farg...
September 21st, 2025 06:51 PM
It's great to hear about your positive refinancing experience. I'm glad I could assist with both your mortgage refinance and previous transactions. Your trust in my responsiveness and knowledge means a lot, and it's rewarding to know that you...
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Virginia helped us get our house. She fought the battles that needed to be fought. She was fantastic throughout the whole deal. She will help you too
Reply from Owner
September 21st, 2025 06:52 PM
I appreciate your kind words, Kevin. It’s great to hear that I could assist you effectively in securing your house. Navigating the challenges to achieve your homeownership goals is what drives me every day. If you ever need further assistance...
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Virginia was very helpful getting us across the finish line for our recent mortgage refinance. She was timely, very responsive and she really knows what she is doing and what she is talking about. Everything went very smooth, all of our questions...
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Reply from Owner
September 18th, 2025 09:42 PM
I'm pleased to hear that the refinancing process went smoothly for you and that I could help get everything across the finish line efficiently. It's great to know that my responsiveness and expertise made a positive impact during your mortgage...
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Virginia and her team were fast, efficient and professional. She took all the stress out of the refinance process.
Reply from Owner
September 18th, 2025 09:42 PM
It's great to know that the refinance process felt smooth and stress-free. I aim to deliver fast and efficient service, so I'm glad it met your expectations. If you have any further questions or need assistance, feel free to reach out. Thank...
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Virginia was amazing! She was patient and understanding. She gave the best service that one could just wish for. She has guided us throughout the process. Our deal is kind of difficult one and she did it.Always positive and never gave up. I...
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Reply from No Hassle Home Loans: Virginia Farg...
August 11th, 2025 05:43 PM
I'm truly grateful for your kind words and appreciation. It means a lot to hear that you had such a positive experience, especially with a complex deal. My goal is always to be patient and understanding, guiding my clients through every step....
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Working with Virginia on this transaction was outstanding. She is extremely knowledgeable in the mortgage industry & in my opinion her expertise greatly assisted the buyer to achieve his homeownership goals. I would recommend her to future...
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Reply from No Hassle Home Loans: Virginia Farg...
August 8th, 2025 09:41 PM
I'm pleased to hear that your experience working with me was outstanding. It's rewarding to know that my knowledge and expertise in the mortgage industry helped the buyer reach their homeownership goals. Thank you for your recommendation and...
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Virginia was absolutely amazing to work with! From start to finish, she made the entire mortgage process feel calm, smooth, and stress-free. She has such a sweet and positive energy that instantly put me at ease, and she explained everything...
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Reply from No Hassle Home Loans: Virginia Farg...
August 8th, 2025 07:06 PM
I'm so glad to hear you had such a positive experience working with me on your mortgage process, Stella. It's important to me that you feel supported and informed every step of the way, so I'm thrilled to know that the process felt calm and...
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No Hassle Home Loans: Virginia Fargo has received a review with 5 star rating from Rivan K
Reply from Owner
July 25th, 2025 01:47 AM
Thanks Rivan for the 5 star review, your feedback means the world to me.
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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.