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    Virginia Fargo's cover image
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    Virginia Fargo

    @virginiafargo

    15+ Years of expertise

    INDEPENDENT MORTGAGE BROKER #299320

    Empire Home Loans

    Mortgage Loan Officer

    Scottsdale, AZ
    2Articles

    About Virginia

    Virginia Fargo, NMLS #299320, is an independent mortgage broker with Empire Home Loans, providing No Hassle Home Loans in Scottsdale, Phoenix, Maricopa County, and across Arizona. With 15+ years of mortgage experience, Virginia specializes in first-time homebuyers, relocation, affordability, self-employed borrowers, FHA, VA, conventional, down payment assistance, bank statement, jumbo, DSCR, manufactured home loans, refinancing, HELOCs, and home equity solutions. She helps consumers understand how much home they can afford, improve their path to mortgage approval, and find financing solutions for unique credit, income, and financial situations.

    Connect

    Empire Home Loans
    INDEPENDENT MORTGAGE BROKER #299320
    Location
    Scottsdale, AZ
    Website
    nohasslehomeloans.com
    Member since
    July 2026

    Virginia's Articles

    What does the 2026 ROAD to Housing Act mean for Arizona

    Arizona Housing

    What does the 2026 ROAD to Housing Act mean for Arizona

    Brake down how the 21st Century ROAD to Housing Act boosts Arizona supply and affordability, and what it means for your 2026 homebuying plan.

    Sep 14, 2026·2 min read·150
    Arizona Housing
    Real Estate
    Why Your Mortgage Score Is Lower Than Credit Karma

    Credit Score

    Why Your Mortgage Score Is Lower Than Credit Karma

    Credit Karma shows VantageScore 3.0; mortgage lenders use FICO 2, 4, and 5. Here's why your mortgage score can run 20–50 points lower, and what Scottsdale home…

    Sep 14, 2026·6 min read·90
    Credit Score
    mortgage

    Showing 2 of 2 articles

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