# InstaRefi Rates & Loan Limits Directory

> InstaRefi provides mortgage monitoring, 2026 conforming and government loan limits, and refinance estimation tools designed to help homeowners make informed financial decisions.

## Legal & Organization Information
- **Company Name:** InstaMortgage Inc.
- **Brand / Service:** InstaRefi (registered trademark of InstaMortgage Inc.)
- **NMLS ID:** 1035734
- **Headquarters Address:** 4100 Moorpark Ave, #221, San Jose, CA 95117
- **Phone:** 1-855-644-LOAN (1-855-644-6626)
- **Email:** hello@instamortgage.com
- **Website:** https://instarefi.app
- **Licensing Details:** https://instamortgage.com/licensing/
- **NMLS Consumer Access:** https://www.nmlsconsumeraccess.org/

## Purpose of the Rates & County Directory
The InstaRefi Rates website serves as an educational and monitoring platform allowing homeowners and prospective borrowers to:
1. Search and view 2026 Conforming (Fannie Mae / Freddie Mac) loan limits for 1-unit, 2-unit, 3-unit, and 4-unit residential properties by county and state.
2. Search and view 2026 Federal Housing Administration (FHA) loan limits for residential properties by county and state.
3. Access an interactive, refinance-focused mortgage calculator estimating home equity, loan-to-value (LTV), monthly principal and interest, and potential refinance savings.
4. Sign up for automated, non-invasive refinance alerts triggered by rate movements without requiring a Social Security Number or impacting credit scores.

## Canonical URL Structure
- **Homepage:** `https://instarefi.app/` — Overview of refinance monitoring, alert mechanisms, and featured loan limits.
- **County Directory:** `https://instarefi.app/directory` — Searchable index of all states and counties with published live records.
- **State Pages:** `https://instarefi.app/state/{state-slug}` (e.g., `https://instarefi.app/state/california`, `https://instarefi.app/state/connecticut`) — List of all published counties within the state.
- **County Pages:** `https://instarefi.app/county/{county-slug}` (e.g., `https://instarefi.app/county/fairfield-ct`, `https://instarefi.app/county/los-angeles-ca`) — Specific loan-limit tables, refinance calculator, market context, and frequently asked questions.

## Data Sources & Update Cadence
- **Source of Truth:** County records synchronized with official Federal Housing Finance Agency (FHFA) baseline and high-cost limits and U.S. Department of Housing and Urban Development (HUD) FHA maximum loan schedules.
- **Publishing Status Rule:** Only records marked `Live` in the authorized Airtable database are publicly indexable. Records in `Review` status are restricted to preview environments and carry `noindex` directives. Missing, blank, or unpublished records return HTTP 404.
- **Connecticut Geographic Distinction:** In Connecticut, historical county jurisdictions and current Planning Regions are preserved with explicit status distinctions.

## Important Disclaimers & Licensing Restrictions
- **Estimates Only:** All calculated monthly payments, savings, home equity figures, loan-to-value ratios, and rate alerts are estimates for illustrative purposes only. They do not constitute an offer to lend, a pre-qualification, or an interest rate lock.
- **Excluded Costs:** Standard calculator outputs calculate principal and interest only. Actual monthly housing expenses may include property taxes, homeowners insurance, private mortgage insurance (PMI), and escrow charges. Refinance transactions are subject to underwriting, appraisal, credit approval, and closing costs.
- **New York State Restriction:** This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan application for properties located in the state of New York can be facilitated through this website.