Your Property Details
Brea, Orange County median: $975,000
Brea, Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $10,530
Your Equity Position
Current Equity
$390,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$780,000
Cash Available
$195,000
Max New Loan
$828,750
Cash Available
$243,750
Max New Loan
$877,500
Cash Available
$292,500
5-Year Projection for Brea, Orange County
Based on 35.0% historical appreciation in Brea, Orange County, California:
Projected Value (5yr)
$1,316,250
Projected Equity Gain
$341,250
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 Brea, Orange County is $1,149,825 (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 Brea, California?
Brea is in Orange County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Brea?
With Brea's median home value of $975,000, a homeowner with 40% equity could access approximately $195,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Brea, Orange County?
The average effective property tax rate in Brea is 1.08%. On a home valued at $975,000, that's approximately $10,530 per year. Property taxes are factored into your total PITI payment.
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