JUMBO & COMPLEX MORTGAGE SPECIALISTS | AZ • CA • FL • NJ • WA
Your Bank Has a Mortgage. We Find Yours.
We compare lenders, structures, costs and underwriting requirements to find the mortgage that fits your complete financial picture.
Choose one. We’ll ask only what we need, then show you the right next step before you go anywhere.
Prefer to talk? Call (877) 545-8626
- 1,000+Families Served
- 4.9 / 5from 120 Google reviews
- 18+ YEARSOf Experience
- TOP MORTGAGE BROKERSIn America · Scotsman GuideRecognized 3 years · 2020, 2021, 2022
- QUOTED 3XThe Wall Street Journal
- ROCKET MORTGAGEPinnacle Partner2020 – 2025
- NMLS #1030124Licensed Mortgage Brokerage
*Recognition and media references relate to Pranav Sahai and/or Jumbo Loan Experts as applicable. See supporting information and licensing disclosures below.
A rate is only one number
A Rate Quote Isn’t a Mortgage Strategy.
Two quotes can show similar rates and produce very different costs, cash requirements and approval risks. We look at all six together before you commit.
Rate
The number everyone quotes
Cost
Points, credits and lender fees
Cash
Down payment and cash to close
Liquidity
Reserves and what stays in your accounts
Approval
How the lender treats your income and assets
Timing
Closing on the contract calendar
Why a broker
Your Bank Shows You What It Offers. We Show You What’s Available.
Signed the Contract? Now Get the Mortgage Right.
Upload your purchase contract. We’ll help you understand the financing deadline, cash requirements and mortgage options before you commit to a lender.
Who we help
Built for Borrowers Whose Finances Don’t Fit in a Box.
Large loan amounts, variable or business income, concentrated assets and unusual properties need a lender that fits, not a form that fits the lender.
- Jumbo
- High net worth
- Executives
- Entrepreneurs
- Investors
- Complex income
- 1,000+Families Served
- 18+ YearsOf Experience
- Scotsman GuideRecognition
- Quoted InThe Wall Street Journal
Experience when the details matter
18+ Years of Mortgage Judgment.
I founded Jumbo Loan Experts in 2009 after working in wealth management and seeing how often mortgage decisions were reduced to a single question:
“What’s the rate?”
The rate matters. But on a major purchase, it is only part of the decision. I help borrowers understand the loan structure, cash requirements, costs, underwriting risks and closing path before they commit.
My job is to tell you what I genuinely believe you need to know.
Pranav Sahai
Founder, Jumbo Loan Experts
Individual NMLS #240312
Trust, passed from one person to the next
The recognition. And the reason behind it.
People trusted us enough to send us the people they cared about most: their friends, their colleagues and their own children.
Scotsman Guide
Top Originators
2020, 2021, 2022
- 2020 Top Mortgage BrokersRanked #84 · Scotsman Guide
- 2021 Top Mortgage BrokersRanked #113 · Scotsman Guide
- 2022 Top Mortgage BrokersRanked #192 · Scotsman Guide
Rocket Pro TPO
Elite Mortgage Broker
2020–2025
- About Rocket Pro TPO Pinnacle PartnersRocket Companies press release, October 19, 2021
The Wall Street Journal
Quoted on jumbo mortgages
2020
- “Why Jumbo Mortgage Rates Make No Sense Right Now”August 20, 2020
- “Discount Points on Jumbo Mortgages Are Hot Again. Here’s Why”September 1, 2020
- “Points In Your Favor”Mansion section, September 4, 2020
Verified client experiences
What Clients Say.
A clearer process
Tell Us. We Compare. See the Tradeoffs. You Decide.
Tell Us
The property, the price and where you are in the process.
We Compare
Lenders, structures, costs and underwriting requirements.
See the Tradeoffs
What changes from one option to the next, in plain terms.
You Decide
Choose the mortgage that fits. Then we execute to the closing date.
A Multimillion-Dollar Mortgage Deserves a Second Opinion.
Start with a short review. No obligation to proceed.