Ai Remco LLC logo
Licensed Mortgage Broker

New Jersey Mortgage Broker — Loan Options, Personal Guidance

Ai Remco LLC is a mortgage broker in Oldwick, New Jersey, in Tewksbury Township. We help people buy and refinance homes across New Jersey, and we're licensed in Pennsylvania and Florida too. Good software takes care of the paperwork, and a licensed loan officer takes care of you. NMLS #2560393.

Licensed mortgage broker · NMLS #2560393 · Oldwick, NJ (Tewksbury Township) · also licensed in Pennsylvania and Florida. Purchase and refinance loans: conventional, FHA, VA, jumbo, high-balance and bank-statement programs, plus cash-out refinancing.

NMLS #2560393Licensed NJPAFLEqual Housing Opportunity

*Illustrative only — not a quote. Rates subject to change without notice and to credit approval. Not a commitment to lend. Equal Housing Opportunity.

Watching rates? Freddie Mac's weekly average, the Fed funds rate and the 10-Year Treasury are on our Market Indicators page.
NMLS #2560393Equal Housing OpportunityLicensed in New JerseyLicensed in PennsylvaniaLicensed in FloridaWholesale lender accessReal licensed loan officersTechnology-assisted processingNMLS #2560393Equal Housing OpportunityLicensed in New JerseyLicensed in PennsylvaniaLicensed in FloridaWholesale lender accessReal licensed loan officersTechnology-assisted processing
01Working with a mortgage broker

Mortgage options.
Explained for you.

Ai Remco LLC is a mortgage broker that works with a wholesale lender. We help you explore available loan programs and guide you through the mortgage process.

We receive compensation for arranging your mortgage. Rates, fees and program availability depend on your qualifications, loan details and lender requirements. Applicable terms and costs are provided in your loan disclosures.

Wholesale lender access

We work with a wholesale lender to explore the loan programs available for your circumstances.

Prepared for lender review

We review your information against program guidelines and help prepare your application. The lender determines eligibility and approval.

Technology with personal guidance

Technology preps documents and underwriting; a licensed loan officer owns your file end to end.

What a wholesale broker does for you

  • One application

    Submit once. We handle the paperwork, the lender submission and the follow-up from there.

  • Program fit

    Conventional, FHA, VA, jumbo and non-QM guidelines all differ. We match your file to the ones that fit.

  • Clear options

    Review rate, points and closing-cost structures for your scenario before you commit to anything.

  • One point of contact

    A licensed loan officer manages the lender, the underwriting conditions and your closing timeline.

Informational only — not a quote or commitment to lend. Available programs and pricing vary by borrower, property, program and market, and are subject to credit approval.

02Why AIREMCO

The edge of a broker.
The help of modern tools.
The service of a local team.

We pair wholesale access with technology-assisted processing and people who actually answer — to help you understand available programs, costs, and next steps.

01

Mortgage options

Explore available loan programs with a licensed broker who works with a wholesale lender.

02

AI-powered processing

Our technology helps organize document collection and prepare your application for lender review.

03

Multi-state licensed

Licensed in New Jersey, Pennsylvania, and Florida — NMLS #2560393.

04

Real, personal service

Licensed loan officers who pick up the phone and guide you from first call to closing day.

Informational purposes only. Content here is educational and not financial, legal, or tax advice. Ai Remco LLC (NMLS #2560393) is a licensed mortgage broker in NJ, PA, and FL. Actual rates, terms, and availability are subject to credit approval and may vary.

03What we finance

Explore mortgage program types

Explore mortgage program types in New Jersey, Pennsylvania, and Florida. Availability and eligibility depend on lender requirements.

For eligible homebuyers

FHA Loans

Learn about FHA-insured mortgages and their down-payment, credit, and mortgage-insurance requirements.

Honoring those who served

VA Loans

Explore VA-backed financing for eligible veterans, service members, and surviving spouses.

Luxury home financing

Jumbo Loans

Financing above conforming limits for higher-value homes.

Self-employed solutions

Non-QM

Bank-statement & alt-doc options for business owners and investors.

Unlock your equity

Cash-Out Refinance

Refinance and tap your home's equity for renovations, debt, or goals.

Your first home

First-Time Buyer

Learn about buying your first home and NJ assistance eligibility.

Program availability, eligibility, and terms vary by borrower and are subject to credit approval. Ai Remco LLC (NMLS #2560393) is a licensed mortgage broker in NJ, PA, and FL.

04How it works

Four steps through the mortgage process

We keep the mortgage process straightforward — and tell you exactly where things stand.

01

Get pre-qualified

Discuss your goals and finances to explore an estimate. Any credit inquiry requires your authorization.

02

Find your home

Use your estimated budget to guide your search. Pre-qualification is not a loan approval.

03

Complete application

Provide the information and documents needed for lender review.

04

Close & move in

If the lender approves your loan and all closing conditions are met, review and sign your closing documents.

05Where we're licensed

Licensed in three states

A multi-state wholesale broker (NMLS #2560393) serving homebuyers across the East Coast.

We use the latest AI technology to do business the old-fashioned way.

— Larry Higgins, owner of Ai Remco LLC
—Meet the owner

Larry Higgins

Owner / Mortgage Loan Originator · NMLS #2530499

I've spent 35+ years in real estate and technology, and I hold an M.S. in Artificial Intelligence. At Ai Remco, the software handles the paperwork and the number-crunching, so my time goes where it should: explaining your options, and making sure you understand the loan before you sign anything. And when you call, a person picks up.

Ai Remco LLC · NMLS #2560393 · Oldwick, NJ, in Tewksbury Township

More about Larry
06Coverage

Mortgage guidance across NJ, PA & FL

Available programs through a wholesale lender and a licensed broker — one application and a licensed loan officer guiding the file from start to closing.

New Jersey Mortgages

  • Bergen County
  • Middlesex County
  • Essex County
  • Hudson County
  • Monmouth County
  • Ocean County
  • Morris County
  • Union County

Pennsylvania Mortgages

  • Philadelphia
  • Pittsburgh
  • Allegheny County
  • Montgomery County
  • Bucks County
  • Delaware County
  • Chester County
  • Lehigh Valley

Florida Mortgages

  • Miami-Dade
  • Broward County
  • Palm Beach County
  • Orange County
  • Hillsborough County
  • Pinellas County
  • Lee County
  • Collier County

New Jersey mortgage broker — coverage by county

Ai Remco LLC works with borrowers in all 21 New Jersey counties. These are the markets we handle most often — the New Jersey locations page lists every county we serve.

Also serving

Why work with a wholesale broker

As a licensed wholesale broker in NJ, PA, and FL, AIREMCO works with wholesale lender pricing and guidelines, then structures your scenario to fit the program that suits it best.

Technology-assisted applications

Our technology streamlines the application across all three states, from document verification to underwriting prep, while experienced loan officers provide personal guidance.

Licensed broker — NMLS #2560393

Ai Remco LLC is licensed in New Jersey, Pennsylvania, and Florida. Verify at NMLS Consumer Access (nmlsconsumeraccess.org).

Quick answers

Who owns Ai Remco LLC?

Larry Higgins. He is a licensed Mortgage Loan Originator, NMLS #2530499, with 35+ years in real estate and technology and an M.S. in Artificial Intelligence. The company's own NMLS number is #2560393.

Where is Ai Remco located?

Oldwick, New Jersey, in Tewksbury Township, Hunterdon County. We work with borrowers throughout New Jersey by phone and online, and Ai Remco LLC is also licensed in Pennsylvania and Florida.

What states does Ai Remco LLC serve?

Ai Remco LLC is licensed to provide mortgage services in New Jersey (NJ), Pennsylvania (PA), and Florida (FL).

What are wholesale mortgage rates?

Wholesale pricing refers to the lender-to-broker channel. Ai Remco LLC is a mortgage broker that works with a wholesale lender. We help you explore available loan programs and guide you through the mortgage process. We receive compensation for arranging your mortgage. Rates, fees and program availability depend on your qualifications, loan details and lender requirements. Applicable terms and costs are provided in your loan disclosures.

Does Ai Remco LLC offer FHA and VA loans?

Yes, Ai Remco LLC offers FHA loans, VA loans, conventional loans, and jumbo loans across New Jersey, Pennsylvania, and Florida.

Get in touch

Talk to a real loan officer

Questions about mortgage programs, pre-qualification, or your options? Reach out — we actually pick up.

Licensed in

NJPAFL

Availability

Mon–Fri, 9am–8pm EST

NMLS #2560393. Ai Remco LLC is a licensed mortgage broker serving homebuyers throughout New Jersey, Pennsylvania, and Florida.

Send us a message

For general questions only. Do not include Social Security numbers, account numbers or financial documents.

By submitting this form, you consent to be contacted by Ai Remco LLC.

Ai Remco LLCLicensed Mortgage BrokerNMLS #2560393
174 Lamington Rd #104, Oldwick, NJ 08858 (mailing address) · Serving NJPAFL online and by phone
(732) 561-4292·[email protected]
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Equal Housing Opportunity. We comply with the Fair Housing Act and Equal Credit Opportunity Act, and do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, age, marital status, receipt of public assistance, the good-faith exercise of rights under consumer credit protection laws, or any other basis protected by applicable law.

Important Notice. This is not a commitment to lend. All applications are subject to lender approval and applicable property and underwriting requirements. Rates, terms, and conditions may change and a displayed rate may not be available at commitment or closing. A rate is locked only when confirmed in a written rate-lock agreement.

For reference only. All information on this site — including property details, taxes, valuations, flood zones, program descriptions, calculators, estimates and any figures shown — is from sources deemed reliable but is not guaranteed for accuracy or completeness. It is provided for general reference and illustration only, is subject to change without notice, and is not a commitment to lend, an offer of credit, an appraisal, a tax opinion, an insurance binder or legal advice. Verify all information independently with the appropriate professional or agency before relying on it.

Mortgage broker disclosure. Ai Remco LLC, NMLS #2560393, is a licensed mortgage broker that works with a wholesale lender. We help you explore available loan programs and guide you through the mortgage process. We arrange loans with third-party providers. Ai Remco LLC does not make mortgage loan commitments or fund mortgage loans. The lender makes the final credit decision and funds the loan. Licensing may be verified through the NMLS Consumer Access database. Ai Remco LLC is not a government agency and is not affiliated with or endorsed by any government agency. We receive compensation for arranging your mortgage. Rates, fees and program availability depend on your qualifications, loan details and lender requirements. An interest rate is not an annual percentage rate (APR); APR reflects the interest rate and certain credit costs. Website estimates are not a Loan Estimate or Closing Disclosure. Applicable terms and costs are provided in your loan disclosures. Program guidelines, agency loan limits and eligibility requirements are set by the applicable agency, investor or insurer and change over time.

State disclosures. Ai Remco LLC is licensed as a mortgage broker in New Jersey, Pennsylvania and Florida, and does business only in states where it is licensed. Licensed by the New Jersey Department of Banking and Insurance. Nothing on this site is an offer to broker a loan in any state where Ai Remco LLC is not licensed. Insurance products, including flood insurance, are offered through Ai Real Estate LLC, an affiliated licensed insurance producer, in New Jersey, Pennsylvania, Florida and North Carolina, the states where it holds a license; because the companies are affiliated, an Affiliated Business Arrangement disclosure is provided in writing, you are not required to use either company as a condition of any transaction, and you may shop for these services elsewhere. This website summary does not replace the separate Affiliated Business Arrangement Disclosure provided at or before a referral, which describes the relationship and estimated charges. State law and any additional state-specific disclosures apply and are provided with your application documents.

Educational information and opinions. Loan definitions and program explanations provide general information; they are not personalized advice or a promise of eligibility, approval or loan terms. Commentary identified as opinion reflects the views of its author at the time of writing and may change. Examples and scenarios are illustrations, not predictions of your result. Consult the appropriate licensed professional for advice about your circumstances.

United States access only. This site and its services are intended solely for users located in the United States and are accessible only from United States IP addresses. Access from outside the United States is not permitted, and nothing on this site is directed to, or an offer or solicitation in, any jurisdiction outside the United States.

Consumer resources: NMLS Consumer Access — Ai Remco LLC #2560393 · CFPB homebuyer resources · HUD

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