---
canonical_url: https://lendb.ai/lo/caleb-ninivaggi-1711815
json_url: https://lendb.ai/lo/caleb-ninivaggi-1711815.json
nmls_id: 1711815
last_verified: 2026-10-15
---

# Caleb Adam Ninivaggi

Loan officer at Zero Point Mortgage Services. NMLS ID 1711815 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1711815)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: November 8, 2018 (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): 7 (source: https://www.zpmloans.com/ZPM-Officers/caleb-adam-ninivaggi, verified 2026-10-15)
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), New Mexico (NM, lender_reported), Oregon (OR, lender_reported), Texas (TX, lender_reported), Washington (WA, lender_reported)
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## 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.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: over 10. Source: https://www.threepointmortgage.com/caleb-ninivaggi, verified 2026-10-15.
- years_experience: 7. Source: https://www.zpmloans.com/ZPM-Officers/caleb-adam-ninivaggi, verified 2026-10-15.
- other: owns a credit repair company offered to clients at no cost. Source: https://www.zpmloans.com/ZPM-Officers/caleb-adam-ninivaggi, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO57324 | expired | confirmed | 2018-11-08 | state_regulator | 2026-10-15 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| NM | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Zero Point Mortgage Services (NMLS 1216108). Source: https://www.zpmloans.com/ZPM-Officers/caleb-adam-ninivaggi, verified 2026-10-15.
- ? to 2026-10-15: Three Point Mortgage LLC (NMLS 2364254). Source: https://www.threepointmortgage.com/caleb-ninivaggi, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1711815

## Contact

- View profile at Zero Point Mortgage Services: https://www.zpmloans.com/ZPM-Officers/caleb-adam-ninivaggi
- Office phone on file: shown at https://lendb.ai/lo/caleb-ninivaggi-1711815#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1711815
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.zpmloans.com/ZPM-Officers/caleb-adam-ninivaggi
- lender_site: https://www.threepointmortgage.com/caleb-ninivaggi

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.

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