---
canonical_url: https://lendb.ai/lo/louis-berman-1403177
json_url: https://lendb.ai/lo/louis-berman-1403177.json
nmls_id: 1403177
last_verified: 2026-10-31
---

# Louis Berman

Loan officer at Watermark Capital, Inc., Baltimore, MD. NMLS ID 1403177 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1403177)).

Based in Baltimore, Maryland, Louis Berman (NMLS 1403177) is a mortgage loan officer at Watermark Capital, Inc., licensed in Florida since 2021 and in Texas, Maryland and Nevada. Louis works at an FHA-approved lender, per HUD.

**Summary:** Louis Berman (NMLS 1403177) is a loan officer at Watermark Capital, Inc., based in Baltimore, MD. Licensed in 4 states confirmed with state regulators: Florida, Texas, Maryland and Nevada. Earliest state license record: March 31, 2021 (Florida), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Louis licensed in Maryland?

Yes. Maryland regulator records list a license as active (verified 2026-10-26). LenDb has 3 other states on file for Louis. Source: https://www.labor.maryland.gov/finance/.

### What lender does Louis work for, and is it FHA-approved?

Watermark Capital, Inc., company NMLS 1838, from the Baltimore, MD office, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://www.sml.texas.gov/.

### How long has Louis been licensed?

The earliest state license record LenDb holds for Louis is from March 31, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: March 31, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Louis N. Berman (FL, MD, NV, TX, as of 2026-10-28)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Maryland (MD, confirmed), Nevada (NV, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO84880 | active | confirmed | 2021-03-31 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2022-12-27 | state_regulator | 2026-10-13 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| NV | Nevada regulator | state_license | NMLO-1200545 | active | confirmed | 2024-08-08 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: Watermark Capital, Inc. (NMLS 1838), Baltimore, MD. 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/1403177

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1403177
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.labor.maryland.gov/finance/
- state_regulator: https://mld.nv.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Louis Berman (NMLS 1403177), Watermark Capital, Inc.. LenDb.ai, https://lendb.ai/lo/louis-berman-1403177, last verified 2026-10-31.

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