Can I refinance out of an ARM in Washington before the rate adjusts?

Yes. Refinancing from an ARM into a fixed-rate mortgage in Washington is straightforward as long as you have sufficient equity and qualifying income at the time of refinancing. The goal is to refinance before the first adjustment if you want rate certainty, or to hold through adjustments if current variable rates are favorable. Timing matters — refinance costs should be weighed against how much the new fixed rate saves you per month compared to the adjustment cap scenario.