---
canonical_url: https://lendb.ai/lo/heidy-perez-phillip-862396
json_url: https://lendb.ai/lo/heidy-perez-phillip-862396.json
nmls_id: 862396
last_verified: 2026-10-15
---

# Heidy Perez Phillip

Loan officer at Zero Point Mortgage Services. NMLS ID 862396 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/862396)).

**Summary:** Heidy Perez Phillip (NMLS 862396) is a loan officer at Zero Point Mortgage Services. Lists Arizona, California, Colorado, New Mexico, Oregon, Texas and Washington on the lender page (not yet checked with the state regulator). Speaks Spanish. Earliest state license record: May 17, 2013 (Florida), per state regulator. States 15 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: May 17, 2013 (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): 15 (source: https://www.threepointmortgage.com/heidy-perez-phillip-landingpage, verified 2026-10-15)
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.threepointmortgage.com/heidy-perez-phillip-landingpage, verified 2026-10-15.
- service_area: Colorado. Source: https://www.threepointmortgage.com/heidy-perez-phillip-landingpage, verified 2026-10-15.
- years_experience: 20. Source: https://www.zpmloans.com/ZPM-Officers/heidy-perez-phillip, verified 2026-10-15.
- years_experience: since 2004. Source: https://www.zpmloans.com/ZPM-Officers/heidy-perez-phillip, verified 2026-10-15.
- service_area: Denver area. Source: https://www.zpmloans.com/ZPM-Officers/heidy-perez-phillip, verified 2026-10-15.
- credential: Licensed mortgage broker. Source: https://www.zpmloans.com/ZPM-Officers/heidy-perez-phillip, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO19831 | expired | confirmed | 2013-05-17 | 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 |
| CO | 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/heidy-perez-phillip, verified 2026-10-15.
- ? to 2026-10-15: Three Point Mortgage LLC (NMLS 2364254). Source: https://www.threepointmortgage.com/heidy-perez-phillip-landingpage, 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/862396

## Contact

- View profile at Zero Point Mortgage Services: https://www.zpmloans.com/ZPM-Officers/heidy-perez-phillip
- Office phone on file: shown at https://lendb.ai/lo/heidy-perez-phillip-862396#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/862396
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.zpmloans.com/ZPM-Officers/heidy-perez-phillip
- lender_site: https://www.threepointmortgage.com/heidy-perez-phillip-landingpage

Cite as: Heidy Perez Phillip (NMLS 862396), Zero Point Mortgage Services. LenDb.ai, https://lendb.ai/lo/heidy-perez-phillip-862396, last verified 2026-10-15.

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