Jerry Paul Garcia
NMLS ID 994639 (opens in a new tab) · verify at NMLS Consumer Access
Jerry Paul Garcia (NMLS 994639) is a loan officer at Zero Point Mortgage Services. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, California, Colorado, New Mexico, Oregon and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor and VA loan. Earliest state license record: May 14, 2026 (Florida), per state regulator.
Last verified . Sources: Zero Point Mortgage Services (zpmloans.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: May 14, 2026 (Florida), per state regulator
- 8 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: Real estate investor(from their lender profile page)
- Focus: VA loan(from their lender profile page)
Where we saw these: zpmloans.com (opens in a new tab)
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
Florida, Texas, Arizona, California, Colorado, New Mexico, Oregon, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO147757, first effective 2026-05-14), TX (opens in a new tab), verified 2026-10-15.
Lender-reported: AZ, CA, CO, NM, OR, WA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Zero Point Mortgage Services NMLS 1216108
Current · seen on lender site 2026-10-15
West Capital Lending, Inc. NMLS 1566096
Current · seen on lender site 2026-10-13
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licensed states | lender site · zpmloans.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | 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: Jerry Paul Garcia (NMLS 994639), Zero Point Mortgage Services. LenDb.ai, https://lendb.ai/lo/jerry-garcia-994639, last verified 2026-10-15.
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