Erik Markwat, photo from Lower

Erik Markwat

Loan Advisor at Lower · Charlotte, NC

NMLS ID 1977195 (opens in a new tab) · verify at NMLS Consumer Access

Erik Markwat (NMLS 1977195) is Loan Advisor at Lower, based in Charlotte, NC. Licensed in Florida, confirmed with the state regulator (license LO70969). Also lists Georgia, North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: June 17, 2020 (Florida), per state regulator.

Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

Focus

No focus listed on their lender page yet.

    Their lender offers

    FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Erik's own focus, so ask.

    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

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Georgia, North Carolina, South Carolina

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO70969, first effective 2020-06-17), verified 2026-10-15.

    Lender-reported: GA, NC, SC are listed on the lender page, not yet checked with the state regulator.

    Contact

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    Employment history

    1. Lower NMLS 1124061

      Current · Charlotte, NC · seen on lender site 2026-10-10

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Describes themselves as an experienced mortgage professional who works with both first-time buyers and seasoned homeowners.

    Our summary of the lender page. Verified 2026-10-10.

    Sources

    Name and employerlender site · lower.com (opens in a new tab)verified 2026-10-10
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-15
    Licensed stateslender site · lower.com (opens in a new tab)verified 2026-10-10
    Lender programslender site · lower.com (opens in a new tab)verified 2026-10-10
    Summarylender site · lower.com (opens in a new tab)verified 2026-10-10
    Contactlender site · lower.com (opens in a new tab)verified 2026-10-10
    Photolender site · lower.com (opens in a new tab)verified 2026-10-10
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Erik Markwat (NMLS 1977195), Lower. LenDb.ai, https://lendb.ai/lo/erik-markwat-1977195, last verified 2026-10-15.

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