Best Jumbo Loan Lenders in Boca Raton, FL

Boca Raton was once known primarily as a retirement destination. Since the pandemic, it has become something very different. Families relocating from the Northeast and California, executives priced out of Miami proper, and buyers seeking a balance of lifestyle and infrastructure have turned Boca into one of South Florida’s most competitive housing markets. Master‑planned communities like Woodfield Country Club, Lotus Edge and Addison Reserve, golf courses, private clubs, a growing food scene, and strong schools have all driven demand.

Its proximity to Miami, Fort Lauderdale, and multiple major airports makes Boca especially attractive to buyers who travel frequently or split time between cities. The result is sustained price pressure. Many homes now move well into jumbo territory simply by being well located or recently updated.

With that shift has come a clear question for buyers and homeowners alike: who should you be working with to make sure your purchase or refinance is structured correctly and your closing goes smoothly? The best jumbo loan lenders in Boca Raton are not simply the ones advertising the lowest rate. They are the ones that understand South Florida property types, can navigate jumbo underwriting without surprises, and know how to structure loans that actually close.

Below is a curated list of the best jumbo loan lenders serving Boca Raton buyers. The list includes a mix of mortgage brokers, banks, and direct lenders. LendFriend Mortgage is ranked #1 for clear reasons.

LendFriend Mortgage 

LendFriend Mortgage earns the top spot because it combines deep Boca Raton roots with the flexibility required to structure jumbo loans correctly across Florida.

Eric and Michael Bernstein, co-founders of LendFriend Mortgage, grew up in Boca Raton and have spent their careers financing homes throughout Palm Beach County. That local perspective matters in jumbo lending, where high‑HOA condos, layered association approvals, insurance requirements, and reserve calculations can quietly derail deals if they are not addressed early.

As a mortgage broker, LendFriend is not limited to a single bank’s jumbo guidelines. Loans are structured to fit the borrower, not the other way around. That allows the team to handle everything from straightforward W‑2 jumbo loans to more complex scenarios involving self‑employed income using bank statement loans and asset‑based qualification through retirement mortgages and asset depletion loans, whether it's your primary residence or second home.

LendFriend’s process is built around making sure your deal goes smoothly a buyer ever goes under contract. Income, assets, property eligibility, insurance, and timing are validated upfront so closings stay predictable. That approach is why LendFriend Mortgage has originated more than $1 billion in loans in recent years and consistently delivers on‑time jumbo closings in competitive Florida markets.

For Boca Raton buyers or homeowners who want one lender capable of handling jumbo loans in Florida—from the simplest W‑2 purchase to the most complex asset‑driven transaction—LendFriend Mortgage remains the strongest option available.

Rocket Mortgage 

Rocket Mortgage is one of the largest mortgage lenders in the country and a common choice for jumbo borrowers who prioritize speed and a fully digital process.

Rocket’s strength lies in efficiency. Borrowers can complete the entire application online, upload documents digitally, and monitor loan progress in real time. For buyers relocating to Boca Raton from out of state or purchasing second homes, this convenience can be valuable.

Rocket offers competitive jumbo rates and reliable execution on straightforward files. Where it can fall short is local nuance. Condo approvals, insurance requirements, and property‑specific considerations in South Florida often require proactive problem‑solving that large national platforms are not built around.

Rocket works best for borrowers with clean W‑2 income, strong credit, and simple property profiles who want a streamlined experience. It is generally not a strong fit for non‑QM borrowers, self‑employed income, asset‑based qualification, or transactions operating on tight timelines, where flexibility and upfront structuring matter more than automation.

Chase Bank 

Chase remains a common jumbo lender choice in Boca Raton due to brand strength, branch availability, and relationship pricing.

Chase offers competitive jumbo mortgage rates and discounts for borrowers who maintain banking relationships with the institution. For high‑net‑worth clients already using Chase Private Client or wealth management services, these incentives can add up.

The trade‑off is flexibility. Chase operates within a single jumbo framework. Income interpretation, reserve calculations, and property eligibility are less adaptable. Closings can take longer, and guideline exceptions are rare.

Chase is best suited for traditional borrowers who value bank stability and fit cleanly within standard jumbo guidelines.

Guild Mortgage 

Guild Mortgage offers a wide range of loan programs and maintains a local presence in Boca Raton. This combination appeals to buyers who want access to both jumbo loans and alternative financing paths if circumstances change mid‑transaction.

Guild handles conventional, jumbo, government‑backed, and specialty programs, making it useful for buyers transitioning from a sale or coordinating multiple properties.

While Guild provides solid service, pricing and speed can vary depending on loan structure. Jumbo borrowers with complex income may find better customization through a broker, but Guild remains a reliable option for borrowers who want a large lender with local representation.

CrossCountry Mortgage 

CrossCountry Mortgage has built a strong presence in Boca Raton through local loan officers familiar with the area’s housing stock.

The lender offers jumbo loans, non‑QM options, and foreign national programs, making it useful for buyers with international income or unconventional profiles. Pre‑approvals are typically fast, which helps in competitive offer situations.

As a retail lender, CrossCountry may not always match broker‑level pricing or flexibility, but its range of products and local service make it a solid mid‑tier jumbo option.

Bank of America 

Bank of America attracts jumbo borrowers who maintain significant assets within its ecosystem. Preferred Rewards and wealth management relationships can reduce origination costs and improve loan terms.

The bank handles very large loan amounts and luxury properties comfortably, particularly for borrowers with substantial liquidity and straightforward income.

However, Bank of America tends to apply strict underwriting standards and offers limited flexibility for non‑traditional borrowers. It works best for high‑asset clients who already bank with BofA and value centralized financial management.

Truist 

Truist, formerly SunTrust, maintains a strong Southeast footprint and offers jumbo loans with limits high enough for most Boca Raton purchases.

One of Truist’s differentiators is its specialty lending, including physician jumbo programs that allow high‑income professionals to buy with reduced down payments.

The lending process is more traditional, and rate transparency typically requires full application review. Truist suits borrowers who prefer working with a regional bank and fit cleanly into its program structures.

Navy Federal Credit Union 

Navy Federal Credit Union offers jumbo loan options for military members, veterans, and eligible family members. Its pricing and lack of private mortgage insurance can be attractive.

For VA‑eligible borrowers purchasing high‑priced homes, Navy Federal can structure jumbo VA loans with minimal or no down payment.

Eligibility requirements limit its audience, and program flexibility is narrower than broker‑based options, but for qualified members it remains a strong value‑driven choice.

Final Thoughts

Jumbo loans are not simply larger mortgages. They require precise structuring, realistic underwriting expectations, and lenders who understand how small details affect approval.

In Boca Raton, where luxury properties, condos, and second homes are common, lender experience matters. While many national banks and direct lenders offer jumbo loans, few combine flexibility, local insight, and strategic execution the way LendFriend Mortgage does.

For buyers who want their financing to strengthen their offer rather than create risk, choosing the right jumbo lender is not optional. It is foundational.

Ready to explore your Jumbo options?  Schedule a call today or get in touch with me by completing this quick form and let's talk about your options for a jumbo loan.