NMLS #2560393Licensed mortgage broker in Florida
Northeast Florida — wholesale-channel financing matched to how Duval County homes actually sell, from a licensed Florida broker.
AI REMCO L.L.C. is a licensed mortgage broker based in Oldwick, New Jersey, in Tewksbury Township, serving borrowers throughout Duval County, Florida.
Duval County is consolidated with Jacksonville, so one county covers historic Riverside bungalows, suburban Mandarin and Southside subdivisions, and the beaches. Military-connected buyers, small multifamily investors and new-construction purchasers all operate in the same market.
Property type drives the loan here as much as the borrower does. A newer home in a planned community and an older house closer to the county seat are two different underwriting conversations. As a broker, AI REMCO L.L.C. (NMLS #2560393) works with a wholesale lender and helps borrowers review the programs available for their property, documentation and circumstances.
AI REMCO L.L.C. does not have a Duval County office. We work from Tewksbury, New Jersey, are licensed as a mortgage broker in New Jersey, Pennsylvania and Florida, and handle Duval County files remotely — application, document collection and updates by phone, email and video. Every figure we provide is an estimate, not a commitment to lend; all loans are subject to credit approval, underwriting and property appraisal.
Most Duval County files land in one of a few programs: Conventional loans in Duval County, FHA loans in Duval County and VA loans in Duval County. Business owners can compare Non-QM options for self-employed borrowers, including bank statement loans, and first-time buyers can read how FHA down payment, credit and mortgage insurance requirements work.
Loan limit figures published by the Federal Housing Finance Agency for 2026 — fhfa.gov conforming loan limits. Last reviewed 2026-09-05. For reference only.
Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; FHFA House Price Index, county annual, 2025; FEMA OpenFEMA, National Flood Insurance Program data, as of August 2026. Public estimates for the county as a whole, for general information only; they are not an appraisal, a tax figure for any property or a prediction.
Government and Freddie Mac data, updated as each source publishes.
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Sources: Consumer Financial Protection Bureau, HMDA data (loans originated); U.S. Census Bureau, Building Permits Survey; Freddie Mac House Price Index (FMHPI). Figures describe the past and are for general information only; they are not an appraisal, a forecast or an offer of credit.
Jacksonville is the Duval County seat. We work with borrowers throughout the county, including areas not listed here.
AI REMCO L.L.C. is based in Oldwick, NJ, in Tewksbury Township, and serves borrowers throughout Duval County — we do not maintain a branch office in every county we serve.
Row homes, converted buildings, and houses sharing a wall or sitting above a storefront are all financeable, but the details matter: mixed commercial use, unpermitted conversions, and party-wall conditions each affect which lender and program fit the file. Sorting that out early keeps the appraisal from becoming the surprise.
In the stronger school districts, well-priced listings can draw multiple offers. What helps is a clean, fully documented pre-qualification before you tour homes, so income, assets and credit are already reviewed and the offer does not depend on a rushed review afterward. A pre-qualification is an estimate based on the information provided, not a commitment to lend or a guarantee of approval.
Near the water, the insurance line item carries real weight in a payment and in qualifying. Wind coverage, elevation, roof age and construction type all influence what a policy costs, and lenders require flood insurance for properties in FEMA-mapped special flood hazard areas. Florida borrowers should also plan for wind or hurricane coverage separately from flood, and for roof-condition questions on older homes. Our affiliated agency, Ai Real Estate LLC, can quote flood coverage in Florida — an affiliated business arrangement we disclose to you in writing.
Small multifamily buildings are a common entry point for local investors and for owner-occupants who want rental income. Financing them depends on unit count, whether you will live in one unit, and how the market rents are documented. Owner-occupied two- to four-unit purchases can use low-down-payment programs that pure investment purchases cannot.
Builder contracts move on their own schedule, and a long build window affects rate-lock strategy, appraisal timing and how deposits are documented. Builder incentives tied to using an affiliated lender are worth comparing against outside options on total cost, not just the incentive.
Florida property taxes are assessed by the county property appraiser and collected by the county tax collector. A homestead exemption and the Save Our Homes assessment cap can hold a long-time owner's taxable value well below market value, which means the seller's current tax bill often understates what a new owner will pay after the property is reassessed. We look at that gap before quoting a payment, because it is one of the most common surprises on a Florida purchase.
In Florida, hazard, wind and flood coverage are separate considerations, and roof age, construction type and the four-point or wind-mitigation inspection results all influence what a policy costs — which in turn affects qualifying. Condominium and association purchases add structural-integrity and reserve-funding documentation under state law, and lenders increasingly request it. Premiums are quoted by insurers, not by us.
Documents, the appraisal, credit review, rate locks and refinancing work the same way in every county: see how the mortgage process works.
Duval County uses the 2026 national baseline conforming limit of $832,750 on a one-unit home. Above that amount a purchase or refinance moves to jumbo guidelines, which set their own credit, reserve and appraisal requirements.
The default for most purchases and refinances, including single-family homes and condos.
Government-insured financing with a lower minimum down payment — useful on older housing and for shorter credit histories.
Eligible veterans and service members can buy with no down payment.
For purchases above the county conforming loan limit.
For self-employed borrowers, investors, and files that need alternative income documentation.
Using accumulated equity for repairs, debt consolidation or other needs.
The 2026 FHFA one-unit conforming loan limit in Duval County is $832,750. Loan amounts at or below that figure follow conventional conforming guidelines; above it, the loan is a jumbo and is underwritten to the investor's own credit, reserve and appraisal requirements.
Look for a broker licensed in Florida and verify the license on the NMLS Consumer Access site (nmlsconsumeraccess.org). AI REMCO L.L.C. is a licensed mortgage broker in Florida, NMLS #2560393, and works with Duval County borrowers. You can reach a licensed loan officer at (732) 561-4292 or [email protected].
No. AI REMCO L.L.C. works from Tewksbury, New Jersey and serves Duval County borrowers remotely, by phone, email and video. There is no Duval County branch office.
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. The lender underwrites and funds the loan. We receive compensation for arranging mortgages; available terms depend on lender requirements and borrower qualifications.
A lender's current flood determination establishes whether a federal flood-insurance requirement applies. Map changes or corrected determinations can affect that requirement, and a lender may require coverage outside a mapped high-risk area. Confirm required coverage with the lender. Our flood-map tool shows the FEMA zone for an address, and our affiliated agency, Ai Real Estate LLC, is licensed to quote flood coverage in Florida — an affiliated business arrangement disclosed to you in writing. Wind and hurricane coverage is separate from flood.
Yes. Wholesale channels include conventional investment-property and second-home financing. The lender reviews income, assets, existing debts and any eligible documented rental income. Down payment and reserve requirements are higher than for a primary residence, and terms depend on the lender's guidelines.
It depends on the program, the appraisal schedule, the title work and how quickly documentation comes back — not on a fixed timetable we can promise. What we can do is tell you at the start what the file needs, so the avoidable delays do not happen. Any timeline discussed is an estimate, not a guarantee.
All of them. AI REMCO L.L.C. is licensed as a mortgage broker in Florida and works with borrowers anywhere in Duval County, including municipalities not listed on this page. Files are handled remotely from Tewksbury, New Jersey — there is no Duval County branch office.
Yes. Taxes and insurance are part of the housing expense a lender counts, so a higher tax bill reduces the loan amount a given income supports. We use the parcel's actual assessed figure where available, and treat pre-closing figures as estimates.
Reach a licensed loan officer at (732) 561-4292 or [email protected]. Mon–Fri, 9am–8pm ET.
Verified against public program guidance as of September 2026.
