Does refinancing restart my 30-year clock in Washington?

It can — but it doesn't have to. If you refinance into a new 30-year loan, yes, the clock resets. But you can refinance into a 20-year, 15-year, or 10-year loan to match (or beat) the remaining term on your current mortgage. Some borrowers refinance into a shorter term specifically to pay off the home faster and reduce total interest. Run both scenarios with total interest paid included — not just monthly payment — before deciding on the new term.