NMLS #2560393Licensed mortgage broker in Pennsylvania
The Lackawanna valley — wholesale-channel financing matched to how Lackawanna County homes actually sell, from a licensed Pennsylvania broker.
AI REMCO L.L.C. is a licensed mortgage broker based in Oldwick, New Jersey, in Tewksbury Township, serving borrowers throughout Lackawanna County, Pennsylvania.
Lackawanna County is built around Scranton's dense, largely pre-war neighborhoods, with Clarks Summit and the Abingtons holding higher-priced single-family stock. Doubles and two- to four-unit buildings are common purchases for owner-occupants and investors alike.
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 Lackawanna County office. We work from Tewksbury, New Jersey, are licensed as a mortgage broker in New Jersey, Pennsylvania and Florida, and handle Lackawanna 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 Lackawanna County files land in one of a few programs: Conventional loans in Lackawanna County, FHA loans in Lackawanna County and VA loans in Lackawanna 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.
Scranton is the Lackawanna 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 Lackawanna 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.
A large share of the housing here predates modern building codes. Deferred maintenance, older wiring and panels, and lead-paint disclosure requirements come up regularly. Where a home needs work, a renovation-style loan can roll qualified repairs into the mortgage rather than forcing a cash outlay after closing.
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.
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.
Parcels mapped in a FEMA special flood hazard area require flood insurance as a condition of the loan, and the zone — not the street — determines that. Our flood-map tool shows the FEMA zone for an address. Our affiliated agency, Ai Real Estate LLC, is licensed to quote flood coverage in Pennsylvania and Florida; that affiliated business arrangement is disclosed to you in writing.
Pennsylvania charges a state realty transfer tax, and most municipalities and school districts add a local share; who pays which portion is negotiated in the agreement of sale and varies by area. County property taxes, municipal taxes and school district taxes are billed separately and on different calendars, which matters for how an escrow account is set up at closing. All amounts come from the taxing bodies and the title agent, and appear on the lender's Loan Estimate and Closing Disclosure.
Pennsylvania counties assess property on their own schedules, and a recent countywide reassessment can change a tax figure significantly from what a listing shows. Homestead and farmstead exclusions are applied by the county on approved applications. We work from the county's current record and treat any pre-closing tax number as an estimate.
Documents, the appraisal, credit review, rate locks and refinancing work the same way in every county: see how the mortgage process works.
Lackawanna 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.
Frequently used on Lackawanna County's older housing stock and for buyers with a smaller down payment.
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 Lackawanna 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 Pennsylvania and verify the license on the NMLS Consumer Access site (nmlsconsumeraccess.org). AI REMCO L.L.C. is a licensed mortgage broker in Pennsylvania, NMLS #2560393, and works with Lackawanna 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 Lackawanna County borrowers remotely, by phone, email and video. There is no Lackawanna 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 Pennsylvania — an affiliated business arrangement disclosed to you in writing.
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 Pennsylvania and works with borrowers anywhere in Lackawanna County, including municipalities not listed on this page. Files are handled remotely from Tewksbury, New Jersey — there is no Lackawanna 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.
