Your Property Details
Mendocino County median: $450,000
Mendocino County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 0.88%
- Est. Annual Tax
- $3,960
Your Equity Position
Current Equity
$180,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$360,000
Cash Available
$90,000
Max New Loan
$382,500
Cash Available
$112,500
Max New Loan
$405,000
Cash Available
$135,000
5-Year Projection for Mendocino County
Based on 28.0% historical appreciation in Mendocino County, California:
Projected Value (5yr)
$576,000
Projected Equity Gain
$126,000
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Mendocino County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Mendocino County, California?
The 2026 FHFA conforming loan limit for Mendocino County is $806,500. Loans above this threshold are classified as jumbo loans and typically require higher credit scores and larger reserves.
How much cash can I take out of my home in Mendocino County?
Based on the Mendocino County median home value of $450,000, a homeowner with 40% equity could access up to $90,000 through a cash-out refinance at 80% LTV. Your actual amount depends on your home's appraised value and current mortgage balance.
Is a cash-out refinance in Mendocino County conforming or jumbo?
If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With Mendocino County's median home value at $450,000, many borrowers qualify for conforming rates. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.