Conventional loans
Fannie Mae and Freddie Mac financing for primary homes, second homes and investment property.
01Who we are
An independent New Jersey mortgage broker, not a bank
Ai Remco LLC is a licensed mortgage broker, NMLS #2560393, with its office at 174 Lamington Rd #104, Oldwick, NJ 08858. We hold mortgage brokerage licensing in New Jersey, Pennsylvania and Florida, and New Jersey is our home market. Our affiliated agency, Ai Real Estate LLC, handles flood insurance in New Jersey, Pennsylvania, Florida and North Carolina — an affiliated business arrangement we disclose to you in writing whenever both companies could be involved in your transaction.
As a broker, we do not lend our own money. We take your application, structure the file, and submit it to a wholesale lender that underwrites and funds the loan. That structure gives us access to wholesale mortgage pricing and to a wide program menu — conventional, FHA, VA, USDA, jumbo, Non-QM, DSCR — rather than a single bank's product shelf. It also means the lender, not us, issues the final approval and the terms.
The "AI" in our name is about workflow. We use technology to read and organize documents, run scenario comparisons, and pull property data such as annual taxes, estimated value and FEMA flood zone before you commit to an offer. Licensed people still make the recommendations, and the lender's underwriters still make the decisions.
02County coverage
New Jersey counties we serve
We serve borrowers across all 21 New Jersey counties from our Oldwick office. Each county page covers the municipalities, property types and loan programs that actually come up there — there are no branch offices outside Oldwick.
03Loan programs
Mortgage programs available in New Jersey
FHA loans
Government-insured financing with a low minimum down payment and flexible credit standards.
VA loans
No-down-payment financing for eligible veterans, service members and surviving spouses.
USDA loans
Zero-down financing in USDA-designated rural areas — much of western and southern New Jersey.
Jumbo loans
Financing above the annual conforming loan limit, common across northern and shore New Jersey.
Non-QM and bank-statement loans
Alternative documentation for self-employed borrowers and properties outside agency rules.
DSCR investment-property loans
Qualification driven by the property's rental cash flow rather than personal income.
Self-employed mortgages
How business owners, contractors and 1099 earners document income for a New Jersey mortgage.
Cash-out refinancing
Access home equity for renovations, debt consolidation or a second property.
Down payment assistance
How New Jersey assistance programs work, who administers them, and how they pair with a first mortgage.
First-time home buyer financing
Low-down-payment options, gift funds and what New Jersey first-time buyers should expect.
04Learn the mechanics
Guides for New Jersey borrowers
05Straight answers
New Jersey mortgage broker questions, answered
How do I find a mortgage broker in New Jersey?
Search for brokers licensed by the New Jersey Department of Banking and Insurance, then verify the company and the individual loan officer on the NMLS Consumer Access site at nmlsconsumeraccess.org. Ask which lending channels the broker uses, how they are compensated, and what documentation your file will need. Ai Remco LLC is a New Jersey licensed mortgage broker, NMLS #2560393, reachable at (732) 561-4292.
What is a wholesale mortgage broker?
A wholesale mortgage broker is a licensed intermediary that originates loans using wholesale lending channels rather than lending its own money. The broker takes the application, structures the file and submits it to a wholesale lender that underwrites and funds the loan. Wholesale pricing is the pricing lenders publish to broker channels, as distinct from the retail pricing a consumer sees at a bank branch.
Can a mortgage broker shop multiple lenders?
Brokers are able to work with more than one wholesale lender, and many do. Ai Remco LLC currently originates through one primary wholesale lending relationship and compares the loan programs available within that channel — conventional, FHA, VA, USDA, jumbo and Non-QM — to find the structure that fits the borrower and the property.
How is a mortgage broker different from a bank?
A bank lends its own money and offers only its own products and guidelines. A broker is licensed separately, takes the application, and places the loan with a wholesale lender. If a property or income situation does not fit one set of guidelines, a broker can look at other program options instead of simply declining the file.
Who offers wholesale mortgage pricing in New Jersey?
Wholesale pricing is available through licensed New Jersey mortgage brokers, including Ai Remco LLC (NMLS #2560393). Actual rates and costs depend on the lender's pricing at the time, your credit profile, loan-to-value, occupancy, property type and loan amount — no broker can promise a specific rate or a savings amount in advance.
Does Ai Remco serve all of New Jersey?
Yes. Ai Remco LLC is licensed for mortgage brokerage in New Jersey and serves borrowers in all 21 counties from its office at 174 Lamington Rd #104, Oldwick, NJ 08858. It is also licensed for mortgage brokerage in Pennsylvania and Florida. It does not maintain branch offices in other counties.
What mortgage options are available to self-employed borrowers in NJ?
Self-employed borrowers can use standard conventional, FHA, VA and USDA financing when tax returns support the income. When returns understate cash flow because of business write-offs, bank-statement, profit-and-loss and asset-based Non-QM programs evaluate income differently. Eligibility, pricing and documentation requirements differ between these programs.
Can a mortgage broker help with an investment property?
Yes. Options include conventional investment-property financing, which qualifies on your personal income and assets, and DSCR loans, which qualify primarily on the property's rent relative to its payment. Down payment requirements are higher than for a primary residence, and all financing is subject to credit approval, underwriting and appraisal.
How does Ai Remco use AI technology in the mortgage process?
We use technology to speed up the parts of the process that are mechanical: reading and organizing submitted documents, running scenario and payment comparisons across programs, checking property data such as taxes, estimated value and FEMA flood zone, and answering general mortgage questions through an AI assistant on this site. Credit decisions and underwriting are made by licensed people and by the lender's underwriters — not by an AI system — and every figure we produce is an estimate until the lender issues terms.
Business and licensing information
- Legal name
- Ai Remco LLC (AIREMCO)
- Business type
- Licensed mortgage broker
- NMLS ID
- 2560393
- Office
- 174 Lamington Rd #104, Oldwick, NJ 08858
- Phone
- (732) 561-4292
- info@airemco.com
- Hours
- Monday–Friday, 9:00am–8:00pm ET
- Mortgage licensing
- New Jersey, Pennsylvania, Florida
- Flood insurance (affiliate)
- Ai Real Estate LLC — New Jersey, Pennsylvania, Florida, North Carolina
- New Jersey service area
- All 21 counties
Equal Housing Opportunity. Ai Remco LLC is a licensed mortgage broker and is not a lender; loans are funded by wholesale lending partners. Nothing on this page is a commitment to lend, an offer of credit, or a guarantee of approval, rate, cost, savings or closing timeline. All loans are subject to credit approval, underwriting and property appraisal. Program guidelines, loan limits and eligibility maps are set by the applicable agency, investor or lender and change over time — confirm current details before relying on them. Verify our licensing at nmlsconsumeraccess.org.