---
canonical_url: https://lendb.ai/lo/jerry-garcia-994639
json_url: https://lendb.ai/lo/jerry-garcia-994639.json
nmls_id: 994639
last_verified: 2026-10-15
---

# Jerry Paul Garcia

Loan officer at Zero Point Mortgage Services. NMLS ID 994639 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994639)).

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

## At a glance

- Earliest state license record: May 14, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), New Mexico (NM, lender_reported), Oregon (OR, 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)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.zpmloans.com/ZPM-Officers/jerry-paul-garcia
- **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.zpmloans.com/ZPM-Officers/jerry-paul-garcia

## Facts from the lender page and intro

- years_experience: since 2013. Source: https://www.zpmloans.com/ZPM-Officers/jerry-paul-garcia, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147757 | active | confirmed | 2026-05-14 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2026-07-08 | state_regulator | 2026-10-13 |
| 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 |
| 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/jerry-paul-garcia, verified 2026-10-15.
- ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994639

## Contact

- View profile at Zero Point Mortgage Services: https://www.zpmloans.com/ZPM-Officers/jerry-paul-garcia
- Office phone on file: shown at https://lendb.ai/lo/jerry-garcia-994639#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994639
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://www.zpmloans.com/ZPM-Officers/jerry-paul-garcia

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.

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