For real estate agents · Ai Remco LLC
Working with Larry on your buyer's financing
NMLS #2560393Licensed mortgage broker in New Jersey
I'm Larry Higgins, MS, CFM. I own Ai Remco LLC and am a Mortgage Loan Originator, NMLS #2530499. Ai Remco is a licensed mortgage broker (NMLS #2560393) working with a wholesale lender, based in Oldwick and serving buyers across New Jersey — and in Pennsylvania and Florida — online and by phone. This page explains how an agent can reach me, talk through a buyer's scenario, and stay informed once the buyer applies.
How to reach me
- Office: (732) 561-4292
- Cell, for direct contact with me: (908) 300-7798
- Email: [email protected]
- Or use the contact page.
How it works
- 1
Call or email to talk through the scenario
Describe the purchase in general terms: price range, down payment, property type, county and anything unusual (condo building, two-family, self-employed income, flood zone). No names, Social Security numbers or documents are needed for this conversation.
- 2
The buyer contacts me directly
The buyer reaches out to start the application, and I explain how to submit documents securely. Pay stubs, bank statements, tax returns and IDs go through that process — please don't email borrower documents or financial details.
- 3
Updates, with the buyer's permission
Once the buyer authorizes it, I keep you informed on the milestones that matter to the contract — pre-approval status, appraisal, conditional approval and clear to close. What I share, and with whom, is the buyer's decision.
Questions I can help you answer early
- Which programs fit the purchase — conventional, FHA, VA, jumbo or Non-QM — and the county loan limits that apply.
- Condo and townhouse projects: what the lender will review about the association before the buyer is too far in.
- Two-to-four family homes: how rental income and occupancy affect the buyer's options.
- Self-employed and investor buyers: self-employed and DSCR investment-property financing.
- Flood zones: whether flood insurance is likely required and how it changes the payment — see the flood map.
Agent questions
Can you tell me whether my buyer qualifies?
Not without the buyer. A qualification answer needs the buyer's own application, and their information is shared with you only with their permission. Before that, I'm glad to talk through a general scenario — price range, down payment, property type — without any personal details.
Do you pay or accept referral fees?
No. Federal law (RESPA Section 8) prohibits paying or accepting fees or anything of value for referring settlement business, and Ai Remco does neither. Buyers choose their own mortgage professional.
What kinds of purchases can you help with?
Primary homes, second homes and investment properties of one to four units, including condos, townhouses and two-to-four family homes, with conventional, FHA, VA, jumbo and Non-QM financing (including self-employed and DSCR investor loans). Buildings of five or more units are commercial loans, which we do not originate.
Can you guarantee a closing date or a rate?
No. Approval, terms and timing are set by the lender's underwriting, the appraisal, title and the buyer's documents. A rate is locked only when the lock is confirmed in writing. What I can do is flag likely issues early — condo project review, flood insurance, appraisal conditions — so the contract dates are realistic.