Your Property Details
Garfield County median: $230,000
Garfield County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $2,484
Your Equity Position
Current Equity
$92,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$184,000
Cash Available
$46,000
Max New Loan
$195,500
Cash Available
$57,500
Max New Loan
$207,000
Cash Available
$69,000
5-Year Projection for Garfield County
Based on 28.0% historical appreciation in Garfield County, Washington:
Projected Value (5yr)
$294,400
Projected Equity Gain
$64,400
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 Garfield 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 Garfield County, Washington?
The 2026 FHFA conforming loan limit for Garfield 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 Garfield County?
Based on the Garfield County median home value of $230,000, a homeowner with 40% equity could access up to $46,000 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 Garfield County conforming or jumbo?
If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With Garfield County's median home value at $230,000, 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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