Elle Chatman - Compass Realty

Elle Chatman - Compass Realty

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04/11/2026

I didn’t tell anyone about this one.

Signed up quietly, showed up solo, and just wanted to see what a 5K would feel like.

I’ll be honest, I expected a bigger jump.
Last month to this month… only about 2 minutes faster.

But then I realized, I didn’t just improve my time, I went further.

Back in February: 47:48 for a 5K.
Today: 4.3 miles in 1:04.

Progress doesn’t always show up the way you expect it to.

Still showing up. Still getting better.

discipline consistency runnerlife strava runatlanta

Photos from Elle Chatman - Compass Realty's post 10/10/2024

Mortgage rates have been dropping ( Yes, Lord 🙏)

The question everyone is now wondering: “Should I refinance??”

Refinancing your mortgage and securing a lower interest rate can mean substantial long-term savings.

But deciding whether to refinance your home depends on several factors...

🔖 Here’s how to evaluate if it’s a good time to refinance:

YOUR CURRENT RATE
A general rule of thumb is to refinance your mortgage when interest rates are at least 1% lower than your current rate.

COSTS OF REFINANCING
The cost to refinance your mortgage can range from 2% to 4% of the loan amount. You want to be sure that potential savings will outweigh total closing costs.

YOUR “BREAK-EVEN” POINT
Your break-even point is when you will recoup all the closing costs that come with refinancing your loan. For example, if your closing costs are $5,000 and your monthly savings from refinancing is $200 per month, it would take you 25 months to break even.

YOUR FUTURE PLANS
If you plan to stay in your home for several more years, refinancing could be a smart move, but if there’s a good chance you’ll relocate before reaching your break-even point, it’s worth reconsidering.

DM me for a link to Freddie Mac’s mortgage refinance calculator and I’ll send it over!

Elle Chatman 🖤
For Appointments - Link In Bio
Direct | 678. 650. 6597
english/russian speaker

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3107 Peachtree Road NE
Atlanta, GA
30305