---
canonical_url: https://lendb.ai/lo/hussein-johair-2840270
json_url: https://lendb.ai/lo/hussein-johair-2840270.json
nmls_id: 2840270
last_verified: 2026-10-26
---

# Joe Johair

Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2840270 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2840270)).

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

**Summary:** Joe Johair (NMLS 2840270) is Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 4 states confirmed with state regulators: Florida, Texas, California and Maryland. Earliest state license record: July 9, 2026 (Texas), per state regulator. Last verified 2026-10-26.

## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Joe work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/joe-johair/.

### 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: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: July 9, 2026 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed)
- 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 | LO149424 | active | confirmed | 2026-07-14 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2026-07-09 | state_regulator | 2026-10-13 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2840270 | active | confirmed | 2026-07-19 | state_regulator | 2026-10-24 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/joe-johair/, 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/2840270

## Contact

- View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/joe-johair/
- Office phone and Email on file: shown at https://lendb.ai/lo/hussein-johair-2840270#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2840270
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.labor.maryland.gov/finance/
- state_regulator: https://independencehl.com/joe-johair/

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

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