If you’re purchasing a high-value property or refinancing a luxury home, you may need a jumbo loan — a mortgage that exceeds the Federal Housing Finance Agency (FHFA) conforming loan limits. For 2025, those limits are $806,500 in most U.S. counties and $1,149,825 in certain high-cost markets.
Because jumbo loans aren’t backed by Fannie Mae or Freddie Mac, they require specialized underwriting and careful lender selection. The right lender can make the difference between a smooth, efficient closing and weeks of unnecessary delays.
In 2025, two names consistently rise to the top of the jumbo mortgage space: JumboLoan.com and MortgageQuote.com. Both offer nationwide access to jumbo financing, but each has unique strengths that can help different types of borrowers.
A jumbo loan is a mortgage for an amount above the FHFA’s conforming loan limits. These loans are most often used for:
Because they’re not standardized for sale to government-sponsored enterprises, jumbo loans give lenders more flexibility to create custom programs — but they also come with stricter borrower requirements.
Jumbo loans involve more moving parts than standard mortgages:
Working with a lender or platform that specializes in jumbo financing is critical. It ensures you have access to multiple loan programs, flexible underwriting, and a streamlined process tailored for large-balance mortgages.
For this guide, we’re focusing exclusively on JumboLoan.com and MortgageQuote.com — two leaders in jumbo and super jumbo financing.
Why It Stands Out:
MortgageQuote.com is a dedicated online platform designed to connect borrowers with a wide network
of jumbo mortgage lenders. Instead of approaching individual lenders one by one, you can use
JumboLoan.com to receive multiple offers with a single application.
Key Features:
Advantages:
Best For:
Borrowers who want to quickly compare multiple jumbo loan offers side-by-side and secure competitive
terms.
Why It Stands Out:
JumboLoan.com is a national mortgage brokerage that works closely with wholesale jumbo lenders to
create customized financing packages. They specialize in handling complex borrower profiles that
require creative underwriting.
Key Features:
Advantages:
Best For:
Borrowers who want a hands-on, concierge-style mortgage experience with a focus on custom loan
structuring.
While both platforms specialize in jumbo financing, they serve slightly different borrower needs:
| Feature | MortgageQuote.com | JumboLoan.com |
|---|---|---|
| Approach | Online marketplace connecting borrowers to multiple lenders | Mortgage brokerage tailoring solutions through a lender network |
| Best For | Quick comparison shopping and multiple offers with one application | Complex financial situations requiring creative underwriting |
| Loan Range | $806,500 to $10M+ | Varies by program, often into multi-million range |
| Documentation Flexibility | Offers traditional and some alternative documentation programs | Highly flexible, strong for self-employed and asset-based borrowers |
| Nationwide Access | Yes | Yes |
| Focus | Speed, variety, and competitive options | Customized service and unique borrower needs |
Regardless of which lender you choose, most jumbo loan programs will require:
While large banks do offer jumbo loans, platforms like JumboLoan.com and MortgageQuote.com focus entirely on matching borrowers to the right program — often with more flexibility and efficiency than traditional institutions.
Key advantages include:
For buyers and homeowners seeking high-value financing in 2025, JumboLoan.com and MortgageQuote.com stand out as the best jumbo loan lenders.
Either way, partnering with a lender that specializes in jumbo financing can save you time, expand your options, and help ensure your high-value property purchase or refinance closes smoothly.