Your Property Details
San Joaquin County median: $490,000
San Joaquin County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 37.0%
- Avg Property Tax Rate
- 1.05%
- Est. Annual Tax
- $5,145
Your Equity Position
Current Equity
$196,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$392,000
Cash Available
$98,000
Max New Loan
$416,500
Cash Available
$122,500
Max New Loan
$441,000
Cash Available
$147,000
5-Year Projection for San Joaquin County
Based on 37.0% historical appreciation in San Joaquin County, California:
Projected Value (5yr)
$671,300
Projected Equity Gain
$181,300
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 Joaquin 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 San Joaquin County, California?
The 2026 FHFA conforming loan limit for San Joaquin 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 San Joaquin County?
Based on the San Joaquin County median home value of $490,000, a homeowner with 40% equity could access up to $98,000 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 Joaquin County conforming or jumbo?
If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With San Joaquin County's median home value at $490,000, 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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