Here's what a cash-out refinance costs today for homeowners in Irvine (92602).
In 92602 and the broader Irvine area, cash-out refinance loans are running near 6.71% APR as of July 14, 2026, with most lenders capping the loan at 80% of your home's value.
Most lenders cap cash-out refinances at 80% loan-to-value, meaning you keep at least 20% equity in the home. Given Orange County home values, most purchases stay within the conforming loan limit, which can affect how much cash you're able to access.
No. The 6.71% APR estimate reflects general cashout market conditions for Irvine. Your actual rate depends on credit score, loan amount, down payment or equity, and property type, confirmed directly by the matched lender.
This estimate applies to the 92602 ZIP code and the surrounding Irvine, CA area within Orange County.
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