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    Virginia Fargo

    @virginiafargo

    Featured Author
    15+ Years of expertise

    INDEPENDENT MORTGAGE BROKER #299320

    Empire Home Loans

    Mortgage Loan Officer

    Scottsdale, AZ
    16Articles

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    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.

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

    Virginia's Articles

    2026 Midterms: What Homeowners and Agents Need to Know

    Arizona

    2026 Midterms: What Homeowners and Agents Need to Know

    How the 2026 midterm elections could shape housing affordability, property taxes, and mortgage financing across Maricopa County.

    Nov 3, 2026·8 min read·130
    Arizona
    mortgage
    Fed Holds Interest Rates: Why Waiting for Lower Mortgage Rates Could Cost Homebuyers More

    Home Buying

    Fed Holds Interest Rates: Why Waiting for Lower Mortgage Rates Could Cost Homebuyers More

    The Fed held rates at 3.75%-4.00% on October 28. For Phoenix and Scottsdale buyers, waiting for lower mortgage rates may cost more than it saves.

    Oct 29, 2026·10 min read·310
    Home Buying
    Mortgage Rates
    Could Refinancing Your Mortgage Become Cheaper?

    Refinance

    Could Refinancing Your Mortgage Become Cheaper?

    President Trump signed an executive order aimed at reducing housing costs. Here is what the proposed changes to PMI, title insurance, and USDA/VA loans mean…

    Oct 23, 2026·7 min read·360
    Refinance
    Mortgage Insurance
    What Credit Score Do You Really Need to Buy a Home in Phoenix or Scottsdale in 2026?

    Credit Scores

    What Credit Score Do You Really Need to Buy a Home in Phoenix or Scottsdale in 2026?

    Think your credit score is too low to buy a home in Phoenix or Scottsdale? You may have more mortgage options than you realize.

    Oct 20, 2026·13 min read·500
    Credit Scores
    mortgage
    Can I Buy a Home With Collections or Judgments?

    FHA Loans

    Can I Buy a Home With Collections or Judgments?

    Can you buy a home with collections or a judgment on your credit? Yes, often. Learn how FHA's collection rules and judgment handling actually work for Phoenix…

    Oct 17, 2026·11 min read·201
    FHA Loans
    Credit Score
    Is an ARM Right for Phoenix Buyers in 2026?

    Mortgage Rates

    Is an ARM Right for Phoenix Buyers in 2026?

    With 30-year fixed rates near 7.40% and Phoenix's median home price at $450,000, a 5/1 ARM can cut your monthly payment.

    Oct 16, 2026·9 min read·180
    Mortgage Rates
    ARM

    Showing 6 of 16 articles

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