Your Property Details
Laguna Woods, Orange County median: $450,000
Laguna Woods, Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.05%
- Est. Annual Tax
- $4,725
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 Laguna Woods, Orange County
Based on 35.0% historical appreciation in Laguna Woods, Orange County, California:
Projected Value (5yr)
$607,500
Projected Equity Gain
$157,500
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 Laguna Woods, 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 Laguna Woods, California?
Laguna Woods 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 Laguna Woods?
With Laguna Woods's median home value of $450,000, a homeowner with 40% equity could access approximately $90,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Laguna Woods, Orange County?
The average effective property tax rate in Laguna Woods is 1.05%. On a home valued at $450,000, that's approximately $4,725 per year. Property taxes are factored into your total PITI payment.
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