Home Loans in Phoenix & Scottsdale, Arizona
Personalized Mortgage Solutions with Virginia Fargo
Buying a home, refinancing, or exploring your mortgage options? Virginia Fargo at Empire Home Loans helps buyers and homeowners in Phoenix, Scottsdale, and surrounding Arizona communities find mortgage financing options that fit their needs.
Serving Phoenix, Scottsdale, and surrounding Arizona communities.
Virginia Fargo
Empire Home Loans
Business Hours
About Virginia Fargo
Meet Virginia Fargo, Your Arizona Mortgage Loan Advisor
Virginia Fargo helps homebuyers and homeowners in Phoenix, Scottsdale, and surrounding Arizona communities explore their mortgage options.
Whether you're buying your first home, moving, refinancing, or using your home's equity, Virginia provides personal guidance throughout the loan process.
As a mortgage professional with Empire Home Loans, Virginia helps clients understand their financing options, compare loan programs, and prepare for the next step.
Our Service Areas
Your Trusted Lending Partner Across
Helping homebuyers and homeowners explore mortgage options with personalized guidance.
Home Loans in Phoenix & Scottsdale, Arizona
Personalized Mortgage Solutions with Virginia Fargo
Buying a home, refinancing, or exploring your mortgage options? Virginia Fargo at Empire Home Loans helps buyers and homeowners in Phoenix, Scottsdale, and surrounding Arizona communities find financing options that fit their needs.
Licensed in Arizona | Virginia Fargo NMLS #299320 | Empire Home Loans NMLS #1839243
No hassle home loans with
Virginia Fargo
Find out how Virginia can help you qualify
for a no hassle home loan.
Business Hours
Monday - Friday 9:00 AM to 10:00 PM PST
Saturday - Sunday 10:00 AM to 10:00 PM PST
About Me
Virginia Fargo | No Hassle Home Loans
Trusted Mortgage Broker | Senior Loan Advisor | Clear Communication
With years of industry experience and a genuine passion for helping people, I make home financing simple, transparent, and tailored to your unique needs. Whether you're a first-time homebuyer, seasoned investor, self-employed, rebuilding your credit, or a homeowner looking to tap into your equity, I’m here to guide you with honesty, clarity, and zero hassle.
No Hassle Home Loans isn’t just a name, it’s the way I do business. I believe every client deserves clear options, responsive communication, and a loan experience that feels easy, empowering, and hassle-free from start to finish.
Hobbies
Hiking, Exploring Mayan Ruins, Astronomy, Cooking, Disney Land, Waterfall trails.
About Me
Virginia Fargo | No Hassle Home Loans
Trusted Mortgage Broker | Senior Loan Advisor | Clear Communication
With years of industry experience and a genuine passion for helping people, I make home financing simple, transparent, and tailored to your unique needs. Whether you're a first-time homebuyer, seasoned investor, self-employed, rebuilding your credit, or a homeowner looking to tap into your equity, I’m here to guide you with honesty, clarity, and zero hassle.
No Hassle Home Loans isn’t just a name, it’s the way I do business. I believe every client deserves clear options, responsive communication, and a loan experience that feels easy, empowering, and hassle-free from start to finish.
Your Trusted Lending Partner Across
Arizona
Texas
California
Florida
Beyond
Awards & Recognition
2026 Women With Vision Award Winner (5/28/2026)
2020 Arizona Business Angels Top Volunteer (May 2020)
MLK Living the Dream Award Honoree
City of Phoenix MLK Living the Dream Award Honoree (1/16/2020)
Memberships
2026 Women With Vision Board Member
2024 Space Force Association
2020 Arizona Business Angels
Have questions about the mortgage process?
Let's have a conversation
All consultations are NO CHARGE and NO OBLIGATION.
What I do
Outstanding Communication and Follow-up
We communicate proactively and promptly to keep you
informed about your loan.
Professional Support
We'll guide you through the mortgage process, helping you
avoid common mistakes.
Competitive Low Rates
We find the right mortgage program for you and secure low
market rates to save you money.
Close Your Loan On Time
We work with you to ensure a timely loan closing.
What I do
Outstanding Communication and Follow-up
We communicate proactively and promptly to keep you
informed about your loan.
Professional Support
We'll guide you through the mortgage process, helping you
avoid common mistakes.
Competitive Low Rates
We find the right mortgage program for you and secure low
market rates to save you money.
Close Your Loan On Time
We work with you to ensure a timely loan closing.
Discover the power of our Empire Vault app
This helps monitor credit, debt management, equity alerts, home search, home buying readiness, and so much more.
Discover the power of our Empire Vault app
This helps monitor credit, debt management, equity alerts, home search, home buying readiness, and so much more.
Helping You Purchase Your Dream Home
Get Pre-Approved
Assess your purchasing potential to accurately gauge what you can afford, ensuring you're ready to make an offer as soon as you discover your
ideal home.
Benefits
Secure Competitive Financing
Understand Your Financial
Range
Quick Closing
We simplify the entire mortgage
journey from application to closing, ensuring transparent communication
and utilizing cutting-edge
technology.
Benefits
Streamlined Process, Reduced Stress
Faster Move-in Timeline
Get Pre-Approved
We'll search across our extensive network of lenders to secure a competitive rate, minimal fees, and the ideal loan program tailored to your home financing requirements.
Benefits
Achieve the Best Loan Terms
Explore Diverse Financing Solutions
Ready to complete your application online?
No Problem!
Who We Help
Ready to complete your application online?
No Problem!
Who We Help
Buying Your First Home? We’ve Got You.
Buying a home for the first time can feel overwhelming, but you don’t have to do it alone. We’ll guide you step-by-step, help you avoid costly mistakes, and make sure your mortgage gets approved smoothly so you can move into the home you’ve been dreaming about.
Buying Your First Home? We’ve Got You.
Buying a home for the first time can feel overwhelming, but you don’t have to do it alone. We’ll guide you step-by-step, help you avoid costly mistakes, and make sure your mortgage gets approved smoothly so you can move into the home you’ve been dreaming about.
Second Home & Move-Up Buyers
Owning one home while buying another can bring a lot of questions. Whether you're moving into a new primary residence or getting a vacation home, we’ll explain your options, help you qualify, and guide you through each step with confidence.
Second Home & Move-Up Buyers
Owning one home while buying another can bring a lot of questions. Whether you're moving into a new primary residence or getting a vacation home, we’ll explain your options, help you qualify, and guide you through each step with confidence.
Refinance Made Easy
Whether you want to lower your rate, reduce your monthly payments, or tap into your home’s equity for extra cash, we’re here to help. We’ll walk you through your options and make sure you get the best possible deal on your new loan.
Refinance Made Easy
Whether you want to lower your rate, reduce your monthly payments, or tap into your home’s equity for extra cash, we’re here to help. We’ll walk you through your options and make sure you get the best possible deal on your new loan.
Invest with Confidence
Looking to invest in property? We’ll help you secure low-rate financing to maximize your return and make your investment strategy work harder for you.
Invest with Confidence
Looking to invest in property? We’ll help you secure low-rate financing to maximize your return and make your investment strategy work harder for you.
Borrow Smarter with a HELOC
A HELOC lets you borrow against your home’s value, giving you flexible access to funds when you need them. You only pay interest on what you use, and you can borrow again as you repay. It’s a smart way to cover big costs like renovations, tuition, or emergencies—using the equity you’ve already built.
Borrow Smarter with a HELOC
A HELOC lets you borrow against your home’s value, giving you flexible access to funds when you need them. You only pay interest on what you use, and you can borrow again as you repay. It’s a smart way to cover big costs like renovations, tuition, or emergencies—using the equity you’ve already built.
Credit Essentials: Tips, Tricks & Resources
Who We Help
Buying Your First Home? We’ve Got You.
Buying a home for the first time can feel overwhelming, but you don’t have to do it alone. We’ll guide you step-by-step, help you avoid costly mistakes, and make sure your mortgage gets approved smoothly so you can move into the home you’ve been dreaming about.
Second Home & Move-Up Buyers
Owning one home while buying another can bring a lot of questions. Whether you're moving into a new primary residence or getting a vacation home, we’ll explain your options, help you qualify, and guide you through each step with confidence.
Refinance Made Easy
Whether you want to lower your rate, reduce your monthly payments, or tap into your home’s equity for extra cash, we’re here to help. We’ll walk you through your options and make sure you get the best possible deal on your new loan.
Invest with Confidence
Looking to invest in property? We’ll help you secure low-rate financing to maximize your return and make your investment strategy work harder for you.
Borrow Smarter with a HELOC
A HELOC lets you borrow against your home’s value, giving you flexible access to funds when you need them. You only pay interest on what you use, and you can borrow again as you repay. It’s a smart way to cover big costs like renovations, tuition, or emergencies—using the equity you’ve already built.
TESTIMONIALS
Getting a Mortgage Can Be Easy
HERE'S WHAT OTHER PEOPLE SAY ABOUT WORKING WITH ME
"Stress-free"
"Virginia Fargo makes the home loan experience incredibly smooth and stress-free! She’s knowledgeable, responsive, and genuinely cares about her clients. Highly recommend Virginia and the team at NO HASSLE HOME LOANS!"
- Bobby Christian
May 20, 2025
Scottsdale, AZ
"Extremely helpful"
"Extremely helpful throughout the process, offered us several options and overall got us taken care of in a timely manner to make the process seamless. Most importantly, was able to answer or find answers for questions when I needed them."
-Zachary G
May 6, 2025
Phoenix, AZ
"Very diligent"
Absolutely an amazing person and even better at her profession! She was great at every step of the loan process and very diligent at communicating. Very results oriented but with a superior amount of amazing customer service!
-Jose R
May 2, 2025
Houston, TX
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Work With Us
We recognize that your needs are unique, and we would love to find out
exactly how we can be of service to you.
Contact us by email or give me a call.
CALL US
Call me today with any questions you have about the process - I'm happy to help.
CONNECT WITH US
BUSINESS HOURS
Monday - Friday 9:00 AM to 10:00 PM PST
Saturday - Sunday 10:00 AM to 10:00 PM PST
Monday - Friday 9:00AM to 10:00PM
Saturday - Sunday 10:00AM to 10:00 PM
Virginia Fargo
NMLS #299320
Licensed in Arizona
Serving Phoenix, Scottsdale, and Surrounding Areas
Empire Home Loans
4401 Hazel Ave, Ste 135, Fair Oaks, CA 95628
NMLS #1839243
Arizona License: MB-1012019
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