New Jersey Mortgage Broker — Loan Options, Personal Guidance
AI REMCO L.L.C. 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: conventional, FHA, VA, jumbo, high-balance and bank-statement loans, plus cash-out refinancing. Good software takes care of the paperwork, and a licensed loan officer takes care of you.
Mortgage options.
Explained for you.
AI REMCO L.L.C. 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 helps prepare and organize the loan file for lender underwriting; a licensed loan officer owns your file end to end. The lender determines eligibility and final approval.
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.
Explore mortgage program types
Explore mortgage program types in New Jersey, Pennsylvania, and Florida. Availability and eligibility depend on lender requirements.
Four steps through the mortgage process
We keep the mortgage process straightforward — and tell you exactly where things stand.
Get a pre-assessment
Discuss your goals and finances to explore an estimate. Any credit inquiry requires your authorization.
Find your home
Use your estimated budget to guide your search. Pre-assessment is not a loan approval.
Complete application
Provide the information and documents needed for lender review.
Close & move in
If the lender approves your loan and all closing conditions are met, review and sign your closing documents.
Licensed in three states
A multi-state wholesale broker (NMLS #2560393) serving homebuyers across the East Coast.
New Jersey mortgage broker — coverage by county
AI REMCO L.L.C. works with borrowers in all 21 New Jersey counties. These are the markets we handle most often; the statewide page linked above covers every county we serve.
- Hunterdon County mortgage brokerOur home county. Wells and septic, preserved-farmland lots, and high-balance loans that keep many homes out of jumbo.
- Warren County mortgage brokerFHA limits run out sooner here, older farmhouses, and buyers who commute to the Lehigh Valley.
- Morris County mortgage brokerJumbo purchases, wells and septic, lake communities and commuter towns on the Morristown line.
- Bergen County mortgage brokerJumbo financing, high-rise condo project review and two-to-four unit purchases.
- Middlesex County mortgage brokerFirst purchases, condos and townhouse projects, and self-employed documentation.
- Monmouth County mortgage brokerShore flood zones, elevated homes, second homes and jumbo financing.
- Ocean County mortgage brokerBarrier-island flood zones, adult communities and inland housing.
- Essex County mortgage brokerMontclair and Maplewood commuters, Livingston and Millburn jumbo, condos, and high property taxes.
- Union County mortgage brokerWestfield, Summit and Cranford commuters, higher-value homes, and property taxes that shape the budget.
Buying or refinancing somewhere else in the state? Our New Jersey page covers all 21 counties.
Lawrence Higgins, MS, CFM
Owner / Mortgage Loan Originator · NMLS #2530499
We use the latest AI technology to do business the old-fashioned way.
I've spent 35+ years in real estate technology, and I hold bachelor's and master's degrees in Computer Science. 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, my AI assistant answers and can transfer you to me.
AI REMCO L.L.C. · NMLS #2560393 · Oldwick, NJ, in Tewksbury Township
Fannie Mae integrated technology provider
AI REMCO L.L.C. is listed by Fannie Mae as an integrated Technology Service Provider for Desktop Underwriter® through GoAiRemco, the technology behind airemco.com. Source: Fannie Mae Integrated Vendor List · What this means
More about LawrenceQuick answers
Who owns AI REMCO L.L.C.?
Lawrence Higgins, MS, CFM. He is a licensed Mortgage Loan Originator, NMLS #2530499, with 35+ years in real estate technology and bachelor's and master's degrees in Computer Science. 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, meet in person by appointment, and AI REMCO L.L.C. is also licensed in Pennsylvania and Florida.
Is Ai Remco a mortgage lender near me?
AI REMCO L.L.C. is an independent New Jersey mortgage broker, not a lender or a bank. We take your application, compare the loan options wholesale lenders offer for your scenario, and submit your file to the lender that fits; the lender underwrites and funds the loan. We're based in Oldwick, in Tewksbury Township, and we work with borrowers anywhere in New Jersey by phone and online, and in person by appointment.
Why should I get pre-approved before I look at homes?
Because without one, you can lose the house of your dreams. In a competitive market, good homes often get several offers within days, and sellers tend to pick the buyer whose financing is already in place, even over a higher offer with no pre-approval behind it. A pre-approval puts you in that position: it tells you exactly how much you can borrow so you shop in the right price range, it shows sellers and their agents that a mortgage professional has already reviewed your income, assets and credit, and it brings up any credit or paperwork problems early, while there is still time to fix them, instead of after you've found the perfect home. Get pre-approved first, then go house hunting ready to win. A pre-approval uses a hard credit pull and is not a commitment to lend: final approval depends on the home, the appraisal and verification of your information.
Get pre-approvedIf I find a house I love, can I make an offer right away?
Yes, and that is exactly why you get pre-approved first. With your pre-approval letter in hand, you can put in an offer the same day you see the home and include the letter with it, so the seller knows your financing is already underway. Buyers who still have to find a lender lose precious days, and the house can be under contract with someone else before they're ready. Once your offer is accepted, we finish the full application with the property address and move it toward closing.
Get pre-approvedWhat states does AI REMCO L.L.C. serve?
AI REMCO L.L.C. 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 L.L.C. 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 L.L.C. offer FHA and VA loans?
Yes, AI REMCO L.L.C. offers FHA loans, VA loans, conventional loans, and jumbo loans across New Jersey, Pennsylvania, and Florida.
Talk to a licensed loan officer
Questions about mortgage programs, pre-assessment, or your options? When you call, our AI assistant answers and can transfer you to Lawrence Higgins.
NMLS #2560393. AI REMCO L.L.C. is a licensed mortgage broker serving homebuyers throughout New Jersey, Pennsylvania, and Florida.