We Fund Your Dreams
Dwell Mortgage is an independent mortgage lender licensed in 11 states, helping homebuyers and homeowners get purchase loans, refinances, HELOCs, and more — without the fees and friction of a traditional bank. Based in Everett, WA. NMLS #2426506.
Get your dream home.
Get the home you want — minus the headaches and stuffy bankers in suits.
Pay off your debt
Access your equity. Get out of debt and achieve financial freedom.
Refinance your interest rate
Lower your payment. Change your terms. Keep your coolness.
No Lender Fees on Refinances — Ever
We get it, paying for something twice makes zero sense. We’re consumers too, and we’re done pretending that’s normal. When you buy your home and finance with us, you unlock a lifetime of loyalty. That means every time you refinance your loan with us, we cover the lender fee — every single time. Because loyalty should go both ways. *
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No lending fees
No Investor/Lender Fees Ever. Because paying twice, makes zero sense. 😍
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Worry or Stress
Future-proof your mortgage with lifetime refi freedom. Relax, we got your back. 👊🏼
100+ Five-Star Reviews “I'd Give More Stars If I Could"
Why Homebuyers Choose Dwell Mortgage
We make lenders fight for your biz
40+ investors. One goal: your best deal. We make lenders compete for your business. It’s fun. 👊🏼
The Client Hub
We get it, you don’t need another vendor in your life. We agree! Value first, Value last. Check it out.
Not a hedge fund...Just real humans
No one likes working with a faceless hedgefund. We agree! Real humans, actually local.
Market Insights for Normal People
Live mortgage rates, trending updates, and expert commentary — all in one place.
Free Personal Finance App
KeySteps tracks your credit, savings, and goals in one secure dashboard. Free, Private, All Yours.
Audio Blogs You'll Actually Listen To
Quick, AI-powered audio drops that decode mortgages, markets, and money in plain English
The Market Today
Before you get a custom quote, check out where the market averages are today.
Verified Client Reviews
Hands down the best mortgage company around. We’ve done three transactions with them and each time the Dwell team rocked it. They are professional and super thoughtful. How many mortgage companies will send you flowers when hearing about a death in your family? Dwell is about top notch customer service period. We’ve received the best rates and have always felt confidence about our decisions with them. Buying a home is super stressful and I can’t imagine using any other team. Highly recommend!
- Ly Nguyen
We were SO pleased with our experience with Shane and his team at Dwell Mortgage. We worked closely with Shane and Rebekah but anyone on the team was available to answer any questions if neither of them were available in that immediate moment. As first time home buyers, Shane and his team worked closely with us, helping us to secure the best loan for what we were looking for and helped the process go as smoothly as allowed. We will definitely be return customers in the future!
- Autumn Owens
Telishia is incredible to work with from the beginning of the loan process to the finish line of a transaction. She is an expert in dealing with road bumps and creatively searches out solutions to problems before they even arrive. We are so grateful to Telishia and her team from Dwell Mortgage for making the home buying process so smooth and for helping our buyers achieve their dreams!!!
- Kara Evanger
I have now purchased two homes using Julie as my lender. She was absolutely fantastic. My realtor and team were so impressed with her weekly updates and communication. She left no room for additional questions and we had regular updates as to next steps and where things stood. If and when I buy another home I will use Julie every time as the experience is so smooth. Not to mention, she was both times able to beat others pricing and approvals were provided quickly. Thank you Julie for helping me obtain my current dream home against all odds!
- Bethany Applegate
I started using Dwell for a refi to pay down debt, then we had to move on short notice and they got me a rate I couldn’t find anywhere else and even stuck with me during delays from our buyer falling through and some tricky situations with purchasing new construction. Then, less than a year in my new house they showed me how to drop my PMI, get some more cash and not change my payment.
I have worked with other lenders and banks before and have never seen a group work harder for me than Dwell.
- Jeff H
I had a great experience with Mike, Stephanie, and the Dwell Mortgage team while buying my home. They were honest, transparent, and clear about each step. I always knew what to expect, making the process much less stressful.
Communication with Mike and Stephanie was flawless. They answered my questions promptly and kept me informed throughout the process. Few teams deliver results while ensuring clients feel confident and informed.
- Cassianne Pelan
Common Questions
What states does Dwell Mortgage lend in?
Dwell Mortgage is licensed in 11 states: Washington, California, Texas, Colorado, Oregon, Idaho, Montana, Arizona, Nevada, Florida, and Georgia.
Does Dwell Mortgage charge lender fees on refinances?
No. Dwell Mortgage charges zero lender fees on refinances for life — meaning every future refinance with Dwell costs you nothing in origination fees.
What types of home loans does Dwell offer?
Dwell offers purchase loans, refinances, HELOCs, VA loans, FHA loans, conventional loans, and jumbo loans.
How do I get started with Dwell Mortgage?
You can apply online at dwellmtg.com, call us at 800-605-1626, or use our live chat to speak with a licensed loan officer.
Is Dwell Mortgage a bank?
No. Dwell is an independent mortgage lender — not a bank. That means faster decisions, no bureaucracy, and a direct relationship with your loan team.
