---
canonical_url: https://lendb.ai/lo/virginia-fargo-299320
json_url: https://lendb.ai/lo/virginia-fargo-299320.json
nmls_id: 299320
last_verified: 2026-10-09
---

# Virginia Fargo

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 299320 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/299320)).

**Summary:** Virginia Fargo (NMLS 299320) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Licensed in Florida, confirmed with the state regulator (license LO75908). Focus areas shown on the lender page: Down payment assistance. Earliest state license record: October 15, 2020 (Florida), per state regulator. States 13 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 15, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 13 (source: https://www.empirehomeloans.com/team/vfargo, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/vfargo

## About

Virginia has lived in Arizona for 23 years with a degree in biochemistry from Arizona State University. She brings 13 years of retail mortgage experience and transitioned to the broker channel in 2023 to offer better options and rates.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 13. Source: https://www.empirehomeloans.com/team/vfargo, verified 2026-10-09.
- education: Arizona State University, degree in biochemistry with minor in liberal arts. Source: https://www.empirehomeloans.com/team/vfargo, verified 2026-10-09.
- service_area: Arizona. Source: https://www.empirehomeloans.com/team/vfargo, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO75908 | active | confirmed | 2020-10-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/vfargo, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/299320

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/vfargo
- Office phone and Email on file: shown at https://lendb.ai/lo/virginia-fargo-299320#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/299320
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/vfargo

Cite as: Virginia Fargo (NMLS 299320), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/virginia-fargo-299320, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._