---
canonical_url: https://lendb.ai/lo/robert-gardner-souza-1777771
json_url: https://lendb.ai/lo/robert-gardner-souza-1777771.json
nmls_id: 1777771
last_verified: 2026-10-15
---

# Robert Gardner-Souza

Loan Officer at Consumer Real Estate Finance Co., Falmouth, MA. NMLS ID 1777771 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1777771)).

**Summary:** Robert Gardner-Souza (NMLS 1777771) is Loan Officer at Consumer Real Estate Finance Co., based in Falmouth, MA. Licensed in 2 states confirmed with state regulators: Florida and Louisiana. Consumer Real Estate Finance Co. also offers First-time buyer (a lender program, not confirmed as their own focus). Earliest state license record: November 13, 2018 (Florida), per state regulator. States 7 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: November 13, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 7 (source: https://societymortgage.com/loan-experts/robert-gardner-souza/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Louisiana (LA, 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
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

### Their lender offers (lender level: Consumer Real Estate Finance Co.'s programs, not confirmed as this person's focus)

- **First-time buyer** (`first-time-buyer`): verified 2026-10-13. Source: https://societymortgage.com

## About

Robert Gardner-Souza has almost a decade of experience as a licensed loan officer, focused on clear, tailored home financing. Outside work they enjoy boating, golf and hockey.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 7. Source: https://societymortgage.com/loan-experts/robert-gardner-souza/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO57401 | active | confirmed | 2018-11-13 | state_regulator | 2026-10-15 |
| NY | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| LA | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Consumer Real Estate Finance Co. (NMLS 104621), Falmouth, MA. Source: https://societymortgage.com/loan-experts/robert-gardner-souza/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1777771

## Contact

- linkedin_url: https://www.linkedin.com/in/robert-gardner-souza-20b57413b/ (source: lender_site, verified 2026-10-15)
- View profile at Consumer Real Estate Finance Co.: https://societymortgage.com/loan-experts/robert-gardner-souza/
- Office phone and Email on file: shown at https://lendb.ai/lo/robert-gardner-souza-1777771#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1777771
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- lender_site: https://societymortgage.com/loan-experts/robert-gardner-souza/
- state_regulator (lender programs): https://societymortgage.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Robert Gardner-Souza (NMLS 1777771), Consumer Real Estate Finance Co.. LenDb.ai, https://lendb.ai/lo/robert-gardner-souza-1777771, last verified 2026-10-15.

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