Elle Chatman - Compass Realty
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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
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
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3107 Peachtree Road NE
Atlanta, GA
30305
