The people who work on your loan
Ai Remco LLC is a small, licensed brokerage in Oldwick, New Jersey. You deal with a named person holding an individual NMLS ID — verifiable on NMLS Consumer Access — not a rotating queue.
Larry Higgins, MS, CFM
Mortgage Loan Originator · NMLS #2530499
- Licensed for mortgage business in New Jersey, Pennsylvania and Florida
- Certified Floodplain Manager (CFM); Master of Science
- 174 Lamington Rd #104, Oldwick, NJ 08858
- info@airemco.com
Larry founded Ai Remco LLC after more than 35 years working at the intersection of artificial intelligence and real-estate information systems — building the data and automation side of this industry long before "AI" was a marketing term. The brokerage exists to put that efficiency to work on individual loan files instead of on volume.
He originates the full range of programs the company offers, and as a Certified Floodplain Manager he reviews flood exposure himself rather than leaving it to a post-contract surprise — which matters in Warren, Hunterdon and the Delaware River counties, where a flood premium can decide whether a borrower qualifies.
Clients most often describe his 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.
Areas of mortgage expertise
- Conventional (Fannie Mae / Freddie Mac) purchase and refinance financing
- FHA and VA government-backed lending
- USDA rural-area financing in eligible New Jersey addresses
- 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
Why borrowers choose Ai Remco
Five specific, checkable reasons — not superlatives. We do not describe ourselves as the best or cheapest broker, because no one can substantiate that on your particular file.
Wholesale channel, not a retail branch shelf
Ai Remco is a licensed mortgage broker. Your file is submitted through wholesale lender channels rather than sold from one institution's product list, and broker compensation is disclosed to you on the Loan Estimate and Closing Disclosure.
Local to the market we lend in
The office is at 174 Lamington Rd #104 in Oldwick, Hunterdon County — inside the New Jersey market we finance most. Well and septic conditions, farmland assessment, thin comparable sets and river-corridor flood hazard are familiar problems here, not surprises.
Floodplain expertise on staff
A Certified Floodplain Manager (CFM) reviews flood exposure directly, and flood coverage can be quoted through affiliated Ai Real Estate LLC. In river counties like Warren, the flood premium changes what you qualify for — so it belongs in the first conversation.
AI for the mechanical work, licensed people for the decisions
AI-assisted review handles document reading, data extraction and running one profile through several loan structures at once. Licensed mortgage professionals make every credit recommendation, program decision and disclosure. AI does not approve loans or set your rate.
Reachable
One phone number, answered by a person: (732) 561-4292, Monday through Friday, 9:00 AM to 8:00 PM Eastern. No queue, no reassignment mid-file.
Talk to a licensed mortgage professional
Company licensing and individual originator licensing can both be checked independently before you share a single document.
Ai Remco LLC, NMLS #2560393 on NMLS Consumer Access
More about the company on the about page, or see licensing and disclosures.