Caleb Adam Ninivaggi
NMLS ID 1711815 (opens in a new tab) · verify at NMLS Consumer Access
Caleb Adam Ninivaggi (NMLS 1711815) is a loan officer at Zero Point Mortgage Services. Lists Arizona, California, New Mexico, Oregon, Texas and Washington on the lender page (not yet checked with the state regulator). Earliest state license record: November 8, 2018 (Florida), per state regulator. States 7 years of experience.
Last verified . Sources: Zero Point Mortgage Services (zpmloans.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: November 8, 2018 (Florida), per state regulator
- 7 years experience (stated)
- 6 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Arizona, California, New Mexico, Oregon, Texas, Washington
Lender-reported: AZ, CA, NM, OR, TX, WA are listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): FL (expired).
Contact
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Employment history
Zero Point Mortgage Services NMLS 1216108
Current · seen on lender site 2026-10-15
Three Point Mortgage LLC NMLS 2364254
until 2026-10 · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Caleb Ninivaggi is a senior mortgage broker with over a decade in mortgage lending. They say they specialize in creative loan solutions and helping first-time homebuyers. Their profile lists FHA, VA, jumbo, DSCR, non-QM loans and vacation homes as specialties.
Our summary of the lender page. Verified 2026-10-15.
- Also
- owns a credit repair company offered to clients at no cost
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| Summary | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Caleb Adam Ninivaggi (NMLS 1711815), Zero Point Mortgage Services. LenDb.ai, https://lendb.ai/lo/caleb-ninivaggi-1711815, last verified 2026-10-15.
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