Joe Johair, photo from INDEPENDENCE HOME LOANS LLC

Joe Johair

Loan Officer at INDEPENDENCE HOME LOANS LLC

NMLS ID 2840270 (opens in a new tab) · verify at NMLS Consumer Access

Joe Johair (NMLS 2840270) is a Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Texas since 2026 and in Florida, California and Maryland.

Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, Texas state regulator, California state regulator, Maryland state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Joe licensed in Florida?
Yes. Florida regulator records list license LO149424 as active, first effective July 14, 2026 (verified 2026-10-15). LenDb has 3 other states on file for Joe.
Source: Florida state regulator (opens in a new tab)
What lender does Joe work for?
INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
Source: lender site (opens in a new tab)
How long has Joe been licensed?
The earliest state license record LenDb holds for Joe is from July 9, 2026 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Texas state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    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, Texas, California, Maryland

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO149424, first effective 2026-07-14), TX (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2840270, first effective 2026-07-19), MD (opens in a new tab), verified 2026-10-15.

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    Employment history

    1. INDEPENDENCE HOME LOANS LLC NMLS 2524174

      Current · seen on lender site 2026-10-15

    Disciplinary history

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

    Sources

    Name and employerstate regulator · independencehl.com (opens in a new tab)verified 2026-10-15
    Licenses (regulator)state regulator · labor.maryland.gov (opens in a new tab)verified 2026-10-26
    Contactlender site · independencehl.com (opens in a new tab)verified 2026-10-15
    Photostate regulator · independencehl.com (opens in a new tab)verified 2026-10-15
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Joe Johair (NMLS 2840270), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/hussein-johair-2840270, last verified 2026-10-26.

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