You can quilt large quilts on your home machine quite easily. There is a learning curve and you may not be happy with your first few quilts, but practice does improve results. Check out Leah Day on YouTube...she does beautiful free motion quilting on her home machine.
I'm just learning to free motion quilt, but already I can see the improvement in my style after completing two quilts. It just takes time, but saves a LOT of money.