If you have good credit, which is required for refi, a better option is to check with your Bank + all Credit Unions near you.

Get a HELOC (Home Equity Line Of Credit), which will likely be less than your mortgage rate now.

Then first HELOC check you write is to payoff your existing Mortgage.

This means you payoff your Mortgage with no long term nonsense, paperwork, at $0 closing costs.