AI REMCO L.L.C. logo
Licensed Mortgage Broker

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.

NMLS #2560393Licensed NJPAFLEqual Housing Opportunity
Watching rates? Freddie Mac's weekly average, the Fed funds rate and the 10-Year Treasury are on our Market Indicators page.
01Working with a mortgage broker

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.

02What 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.

03How it works

Four steps through the mortgage process

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

01

Get a pre-assessment

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-assessment 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.

04Where we're licensed

Licensed in three states

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

NJ

New Jersey

All 21 counties across the Garden State.

Counties served

All 21 New Jersey counties
PA

Pennsylvania

Competitive solutions throughout the Keystone State.

Counties served

All 67 Pennsylvania counties
FL

Florida

Mortgage guidance and available loan programs across the Sunshine State.

Counties served

All 67 Florida counties
05Coverage

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.

Buying or refinancing somewhere else in the state? Our New Jersey page covers all 21 counties.

—Meet the owner

Lawrence Higgins, MS, CFM

Owner / Mortgage Loan Originator · NMLS #2530499

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

— Lawrence Higgins, MS, CFM owner of AI REMCO L.L.C.

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 Lawrence

Quick 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, 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. Our office is in Oldwick, in Tewksbury Township, and we work with borrowers anywhere in New Jersey by phone and online.

What 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.

Get in touch

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.

Call us

(732) 561-4292

Email us

[email protected]

Licensed in

NJPAFL

Availability

Mon–Fri, 9am–8pm EST

NMLS #2560393. AI REMCO L.L.C. is a licensed mortgage broker serving homebuyers throughout New Jersey, Pennsylvania, and Florida.

AI REMCO L.L.C.Licensed 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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Areas served

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 L.L.C., 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 L.L.C. 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 L.L.C. 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 L.L.C. 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, the Pennsylvania Department of Banking and Securities and the Florida Office of Financial Regulation. Nothing on this site is an offer to broker a loan in any state where AI REMCO L.L.C. 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.

Reviews and testimonials. Reviews linked from this site, such as those on Google, are the personal experiences and opinions of the people who wrote them. They are not a guarantee or prediction of the rates, terms, approval or service you will receive; your results depend on your own qualifications and the lender's requirements.

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.

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.

AI REMCO L.L.C., NMLS #2560393Lawrence Higgins, MS, CFM · Mortgage Loan Originator · NMLS #2530499

Consumer resources: NMLS Consumer Access — AI REMCO L.L.C. #2560393 · CFPB homebuyer resources · HUD

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