Your Property Details
Santa Barbara County median: $900,000
Santa Barbara County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 1.00%
- Est. Annual Tax
- $9,000
Your Equity Position
Current Equity
$360,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$720,000
Cash Available
$180,000
Max New Loan
$765,000
Cash Available
$225,000
Max New Loan
$810,000
Cash Available
$270,000
5-Year Projection for Santa Barbara County
Based on 30.0% historical appreciation in Santa Barbara County, California:
Projected Value (5yr)
$1,170,000
Projected Equity Gain
$270,000
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 Santa Barbara County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
City Calculators in Santa Barbara County
Frequently Asked Questions
What is the 2026 conforming loan limit for Santa Barbara County, California?
The 2026 FHFA conforming loan limit for Santa Barbara 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 Santa Barbara County?
Based on the Santa Barbara County median home value of $900,000, a homeowner with 40% equity could access up to $180,000 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 Santa Barbara County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Santa Barbara County's median home value at $900,000, 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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