Your Property Details
San Benito County median: $750,000
San Benito County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 32.0%
- Avg Property Tax Rate
- 1.05%
- Est. Annual Tax
- $7,875
Your Equity Position
Current Equity
$300,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$600,000
Cash Available
$150,000
Max New Loan
$637,500
Cash Available
$187,500
Max New Loan
$675,000
Cash Available
$225,000
5-Year Projection for San Benito County
Based on 32.0% historical appreciation in San Benito County, California:
Projected Value (5yr)
$990,000
Projected Equity Gain
$240,000
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 San Benito 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 San Benito County, California?
The 2026 FHFA conforming loan limit for San Benito County is $1,149,825. 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 San Benito County?
Based on the San Benito County median home value of $750,000, a homeowner with 40% equity could access up to $150,000 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 San Benito County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With San Benito County's median home value at $750,000, many borrowers qualify for conforming rates. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.
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