SENIOR MORTGAGE BROKER - NMLS: 1711815
Caleb Ninivaggi
With over a decade of experience in the mortgage industry, I help clients navigate the home financing process with confidence through a hardworking, straightforward approach and creative loan solutions.
THREE POINT MORTGAGE LLC - NMLS: 2364254
70+ Lending Partners
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<10 Days Clear to Close
•
100% Rate Transparency
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70+ Lending Partners • <10 Days Clear to Close • 100% Rate Transparency •
ABOUT BROKER
Creative Mortgage Solutions for a Smoother Homebuying Experience
With over a decade of experience in the mortgage industry, I’ve built my career around helping clients navigate the home financing process with confidence. Originally from Michigan, I bring a hardworking, straightforward approach to every deal I structure.
I specialize in creative loan solutions and take pride in helping first-time homebuyers turn what can feel like an overwhelming process into a smooth and exciting experience. Whether it’s structuring a complex scenario or guiding someone through their very first home purchase, I’m passionate about finding the right solution for every client.
When I’m not working on loans, I’m usually spending time with my two dogs, Tazz and Tuna, who keep life fun and balanced.
“I take a personalized, strategy-first approach to lending—focusing on creative solutions, clear communication, and making the process feel simple instead of stressful. Whether it’s a first-time buyer or a complex loan scenario, I build financing around each client’s goals rather than forcing them into a one-size-fits-all loan.”
THE BROKERAGE
Your lender for life.
At Three Point Mortgage, we believe home financing should be a primary driver of your long-term wealth. Built on a foundation of financial analysis and radical transparency, we’ve re-engineered the lending experience to value your time as much as your capital. By leveraging a network of over 70 institutional investors, we ensure objective pricing and a high-speed path to ownership with an average clear to close in under 10 days. But our commitment doesn't end at the closing table. From complimentary tax appeals to exclusive investment insights, we serve as your strategic partner for life, ensuring your mortgage remains a high-performance asset long after you receive the keys.
Book your free consultation
Schedule a private consultation to analyze your financial goals and build a high-performance strategy tailored to your portfolio.