I’m Shelbi Souther, a Denver real estate agent who specializes in assumable mortgages. My clients take over existing 2–5% loans instead of financing at today’s rates.
What’s your home worth?
If your mortgage was written between 2020 and 2022, it may be worth tens of thousands more to a buyer than the house alone. I’ll tell you what you’d sell for — and whether your loan is your best marketing asset.
“Shelbi is the best Realtor! Her communication and organization is top notch! She is a great listener, patient, and seemed to be constantly looking for the house we wanted…”
Stephanie S.
Client
“Shelbi is amazing to work with. She is incredibly organized and did a great job walking my boyfriend and I through the process as first time home buyers…”
Jackie L.
Client
Eight years of Colorado real estate. One specialty.
I’ve been licensed in Colorado for eight years, and I’ve built my practice around one thing most agents have never done: closing loan assumptions. My clients take over existing low-rate FHA and VA mortgages instead of financing at today’s rates.
I’m an Assumable Certified Expert (ACE), a Colorado-approved continuing education instructor, and I teach other agents how assumptions actually work. I’m with SERHANT. in Denver.
Unlock Massive Savings with Assumable Mortgages
If you’re looking to potentially save thousands per year on your home purchase, an assumable mortgage might be the perfect solution.
An assumable mortgage allows a buyer to effectively take over (or “assume”) the seller’s existing mortgage, rather than securing a new loan. This can be especially useful during times with high interest rates, as it creates an opportunity for you (as the buyer) to inherit a much lower interest rate from the seller. This has the potential to save you hundreds of thousands of dollars over the life of the loan.
