It's a licensed mortgage broker in Oldwick, New Jersey, in Tewksbury Township. I work with borrowers all over New Jersey, and we're licensed in Pennsylvania and Florida too.
The facts, plainly
- Owner
- Larry Higgins, MS, CFM
- Role
- Licensed Mortgage Loan Originator, NMLS #2530499
- Company
- Ai Remco LLC, a licensed mortgage broker, NMLS #2560393
- Based in
- Oldwick, New Jersey, in Tewksbury Township (Hunterdon County)
- Serving
- Borrowers throughout New Jersey. Also licensed in Pennsylvania and Florida.
- Background
- 35+ years in real estate technology
- Education
- Bachelor's and master's degrees in Computer Science, minor in Mathematics; the master's program included an Artificial Intelligence option
- Certification
- Certified Floodplain Manager (CFM), Association of State Floodplain Managers
- Phone
- (732) 561-4292, answered by a person, Monday through Friday, 9:00 AM to 8:00 PM Eastern
- [email protected]
You deal with a named person holding an individual NMLS ID, not a rotating queue. Both licenses can be checked independently before you share a single document: Larry Higgins, MS, CFM NMLS #2530499 and Ai Remco LLC, NMLS #2560393 on NMLS Consumer Access.
Where the "AI" comes in
I have 35+ years in real estate technology. I hold both bachelor's and master's degrees in Computer Science, with a minor in Mathematics, and my graduate studies included an Artificial Intelligence option, combining a strong technical foundation with advanced work in AI. So using good software isn't a gimmick for me. It's just how I work.
My master's thesis in 1988 explored the use of natural language processing in local- and wide-area networks. That work reflects a longstanding interest in helping people interact with computers through everyday language—an idea now familiar through conversational AI. The technology has changed enormously, but my interest remains practical: making complex systems easier for people to use.
Here's what it actually does. It organizes your documents, keeps track of what the lender still needs, and lets me compare one loan scenario against another quickly. That takes a lot of repetitive work off my desk, and the time it saves goes back to you.
Here's what it doesn't do: it doesn't approve loans or set your rate. The lender's underwriters decide whether you qualify and on what terms. My job is to help you understand your options and hand the lender a clean, complete file.
Read more about our AI-assisted mortgage process. That's what our motto means. We use the latest AI technology to do business the old-fashioned way.
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.
Floodplain manager, and what I work on
I'm a Certified Floodplain Manager (CFM), so I review flood exposure myself rather than leaving it to a post-contract surprise. That matters in Warren, Hunterdon and the Delaware River counties, where a flood premium can decide whether a borrower qualifies, so it belongs in the first conversation. Flood coverage can be quoted through our affiliated agency, Ai Real Estate LLC; that affiliated business arrangement is disclosed to you in writing, and you're free to use any insurer.
We're based in Tewksbury, Hunterdon County, inside the New Jersey market we finance most, and we work with borrowers online and by phone. Well and septic conditions, farmland assessment, thin comparable sets and river-corridor flood hazard are familiar problems here, not surprises.
Areas of mortgage expertise
- Conventional (Fannie Mae / Freddie Mac) purchase and refinance financing
- FHA and VA government-backed lending
- Jumbo and high-balance financing in high-cost New Jersey counties
- Bank-statement, profit-and-loss and asset-based Non-QM qualification
- DSCR and investment-property lending
- Cash-out refinancing and debt restructuring
- Flood-zone determination and flood insurance placement
What flying taught me
Flying taught me that details matter. As a flight instructor, you're responsible for making sure a student understands what they're doing before putting them in a situation where mistakes matter. I bring that same mindset to mortgages: explain the options, check the details, and make sure the borrower understands the loan before moving forward.
Explain the options, check the details, and make sure you understand the loan before we move forward.
What you can expect
- You'll deal with a licensed loan officer who knows your file — not a call center. No queue, no reassignment mid-file.
- I'll explain your options in plain English, including the ones that won't work for you, and why.
- I'll tell you what the lender is going to ask for before they ask for it.
- You'll know how I'm paid. It's spelled out in your loan disclosures.
Clients most often describe my work on complicated files: solar-loan assumptions, expiring rate locks caused by seller delays, municipal certificates and inspections running late. Those accounts are published, unedited, on the reviews page.
Curious where rates are right now? I keep the numbers I watch on our market indicators page. And if you're buying or refinancing anywhere in the state, start with our New Jersey page.
Want to talk it through?
Call me, or send a question and I'll get back to you.