Refinance your home in just a few weeks. Get cash out, lower your rate, or eliminate mortgage insurance. We’re here to help you secure the best mortgage refinance program for your unique situation.

blue wireframe image depicting home loan pre approval


Drop us your details online or give us a call, and get a rock solid pre-approval right away. With your mortgage refinance rate locked in, you’re ready to save.

blue wireframe image of books depicting home loan expertise


We believe that you deserve not only low rates and convenience, but also personal service. You’ll team up with a local Loan Officer with 20 years of refinancing experience on average. They’ll help you navigate the process and assess your options.

blue wireframe image of cell phone with chat bubbles depicting close communications


No more waiting for answers. Your dedicated Loan Officer will stay connected with you every step of the way. Application through closing.

3 Simple Steps



Fill in your refinance loan application in the way that works best for you. Call or click to get started. You’ll have an expert that knows the local market, and will make sure your questions are answered and your application is on track.



Lock in your new mortgage loan. Get set with a rate that puts on you on the path to savings.



Signing your closing paperwork is a big moment. When the day comes, we’ll send a representative to your home to walk you through it all.

How We Work

We built Upwell as a springboard for opportunity – to help homeowners like you achieve their dreams. The lending industry today is split between two extremes, leaving many of homebuyers’ needs unmet. A growing number of tech-centric lenders offer efficient processes and low rates, but not reliable, local expertise to guide decision-making. And the mortgage companies with helpful, experienced agents? They have higher rates. Upwell brings together the best of both. We connect you with seasoned experts who know the ins and outs of your market, along with competitive rates and the convenience of technology. No need to compromise.

How are we able to take this approach? We made the decision to put homebuyers’ interests above all else. We’re creating a better balance in mortgage lending by looking out for you first. To us, it’s meaningful work, it’s good business, and it’s time you had another option.

Frequently Asked Questions

Answers to common questions about mortgage refinance.

Is now a good time to refinance my home mortgage?

There’s more to consider than just getting a lower mortgage rate. You should also weigh how long you plan to stay in your home. Use our refinance break even calculator, to determine the number of months to break-even if you refinance the loan.

People typically start thinking about a refinance when they notice mortgage rates falling below their current loan rate. But there are some other good reasons for refinancing your home loan:

  • If you’re looking to pay off the loan quicker with a shorter term.
  • You currently pay private mortgage insurance (PMI) and now you’ve gained enough equity in your home to refinance without the mortgage insurance.
  • You’re looking to utilize your home equity with a cash-out refinance.
What is cash-out refinance?

Cash-out mortgage refinancing is a way to both refinance your home mortgage and borrow money at the same time. It allows you to borrow more than your current loan, typically up to 80 percent of your home value, and receive cash (cash-out) for the amount that is higher than your current loan balance. To qualify for a cash-out refinance, you’ll generally need to get your home appraised.

Cash Out Refinance Rates

What are the costs associated with refinancing?

Refinancing costs with lenders vary and typically include underwriting, appraisal fees, title fees, credit report, processing, doc prep, funding, wire transfer, and origination fees, and average between 2% to 5% of the loan amount.

Using Upwell Mortgage, you only pay an Admin Fee ($1,395) and appraisal fee (typically $675 if one is required) so you always know exactly what to expect. If you have enough equity in your home, the fees can even be included in your new loan. And in many cases, your closing costs can be paid for by us.

Refinancing your existing mortgage can provide many benefits, including a lower interest rate, shorter repayment term, and more manageable monthly payments. Calculate your potential refinance break-even point using our Refinance calculator.

How long is the refinance process?

With many lenders, mortgage refinance transactions can take 45 to 60 days based on the complexity of the loan. Using our streamlined process, you can refinance your home in as quickly as 15 – 21 days. A dedicated Loan Officer will stay connected with you every step of the way.

What type of documentation do I need for refinance?

Typical documentation needed for a mortgage refinance transaction includes: proof of income (W-2’s, current tax returns), homeowners insurance verification, credit information, your monthly debt amounts, total assets, and an appraisal.

jeff8rob f.
I have financed/refinanced with Jeff four times in the last 10 years, as long-term interest rates have continued their downward trend. He and his team are extremely responsive, answering e-mail questions at all hours. I rarely wait more than a few hours for a reply. His knowledge of the mortgage business is excellent, and has been able to get low rates on large loans. the last refi was completed in three weeks, and done totally electronically until someone came to our home to sign closing documents. I could not recommend him highly enough.
read more
Jimmy N.
Eddie Anderson and his entire team were very professional while at the same time very personable. We were contacted and informed of all progress along the way. I would highly recommend Eddie and Upwell Mortgage to everyone that is looking to purchase or refinance their home. If this site allowed 10 star ratings Eddie would get 10 stars. Thank you Eddie for all that you do. First Class
read more
Marv S.
Looking to refinance our QA Condo to pull a bit of cash out to complete a remodel. I tried the national lenders with advertisements of low teaser rates but they could not deliver. I was referred to Jeff through a RE Agent I trust. Long story short, Jeff and I discussed my situation and Jeff told me what he could deliver and he did. Solid rate, no nonsense underwriting process, quick close. Jeff and his staff delivered on their promises. Great to work with, professional, straight shooters and nice folks.
read more
Go to Top