---
canonical_url: https://lendb.ai/lo/hem-ramachandran-296907
json_url: https://lendb.ai/lo/hem-ramachandran-296907.json
nmls_id: 296907
last_verified: 2026-10-15
---

# Hem Ramachandran

Senior Loan Officer at ENSURE HOME LOANS LLC. NMLS ID 296907 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/296907)).

Hem Ramachandran (NMLS 296907) is a Senior Loan Officer at ENSURE HOME LOANS LLC, serving Texas. Hem's own profile lists HELOC, USDA loan and VA loan as a focus.

**Summary:** Hem Ramachandran (NMLS 296907) is Senior Loan Officer at ENSURE HOME LOANS LLC. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC, USDA loan, VA loan, FHA loan and Jumbo loan. States 35 years of experience. Last verified 2026-10-15.

## Quick answers

### Is Hem licensed in Texas?

ENSURE HOME LOANS LLC's page for Hem lists Texas. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran.

### Does Hem do HELOCs?

Hem's profile lists HELOC as a focus (from their lender profile page). It also lists USDA loan, VA loan and FHA loan. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran.

### What lender does Hem work for?

ENSURE HOME LOANS LLC, company NMLS 1666674, per the lender's own site (verified 2026-10-15). Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran.

### How much experience does Hem have?

Hem states 35 years of experience. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 35 (source: https://ensurehomeloans.com/loan-officers/hem-ramachandran, verified 2026-10-15)
- Licensed in: Texas (TX, 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: English (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)

- **HELOC** (`heloc`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran
- **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran
- **VA loan** (`va`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran
- **FHA loan** (`fha`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.36, verified 2026-10-26. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran

## Facts from the lender page and intro

- years_experience: 35. Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| TX |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: ENSURE HOME LOANS LLC (NMLS 1666674). Source: https://ensurehomeloans.com/loan-officers/hem-ramachandran, 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/296907

## Contact

- linkedin_url: https://linkedin.com/in/hemanr (source: lender_site, verified 2026-10-15)
- View profile at ENSURE HOME LOANS LLC: https://ensurehomeloans.com/loan-officers/hem-ramachandran
- Email on file: shown at https://lendb.ai/lo/hem-ramachandran-296907#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/296907
- lender_site: https://ensurehomeloans.com/loan-officers/hem-ramachandran

Cite as: Hem Ramachandran (NMLS 296907), ENSURE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/hem-ramachandran-296907, last verified 2026-10-15.

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