The quiet in the storm for Colorado buyers and sellers
I’m Shelbi Souther, a Broker Associate with SERHANT. in Denver. I grew up in Golden and live in Lakewood with my husband and our two young kids. When clients describe working with me, the words they use most are peace of mind.
Before real estate, I spent years in oil and gas accounting, systems, supply chain, and project management, then ran my own consulting firm. That work taught me to think on my feet, run a budget, manage people, and handle a crisis before breakfast. I came to real estate to be a resource for people in some of the biggest moments of their lives.
How I became an assumable mortgage specialist
In 2023, a client selling their townhome had barely enough cash for a 20% down payment and was facing a 7.98% rate. The home they wanted carried an FHA loan at 2.625%. I had never done a loan assumption, and almost no one had. So I called the lender every single day, spent hours on the phone with title, and closed it in 45 days, even while the loan was being sold to a new servicer. My clients needed about $45,000 less at the closing table and save roughly $1,300 a month. They still live there and still love it.
Since then I’ve closed 11 assumptions, with 2 more under contract, as part of nearly $26 million in sales and 47 closings since 2022. I’m an Assumable Certified Expert (ACE) and a Colorado-approved continuing education instructor who teaches other agents how assumptions actually work.
Who I work with
I serve buyers and sellers across the Denver metro, mostly west of I-25 and in Aurora, with clients from Fort Collins to Colorado Springs. I do my best work with first-time buyers, move-up families, VA buyers, and anyone considering an assumption.
I’ll also tell you when the answer is no. I once told clients after months of showings that the market wasn’t right for them, and they stepped away. A year and a half later we reconnected, and two showings in they bought the home they actually wanted. 100% of my business comes from referrals and repeat clients.
Testimonials
“I have not been in the housing market for 20 years, was very nervous at the beginning, until my co worker recommended Shelbi. She was very professional, very patient, extremely knowledgeable about the local market and made the whole process feel effortless. She guided us through each step, making sure we understood everything. We can’t thank her enough!”
Amy S.
Client
“I had an amazing experience working with Shelbi and team. She walked me through the process of selling my home every step of the way. She prepped and planned and helped me get a contract the first weekend my home was on the market. She shared her valuable opinions helping me make decisions that needed to be made and she kept on top of the things that needed to be done. She’s extremely organized and is very experienced in the industry.”
Jennifer B.
Client
“Shelbi was great! Overall, Shelbi is a great realtor and was wonderful to work with. She kept us informed the entire time, easing any frustration and worries we had. We love the house Shelbi helped us find, but wouldn’t hesitate to work with her again – highly recommend her services. She worked with us on an assumable mortgage which can be more complicated and time consuming – and requires advanced knowledge. It helped us get under a 3% mortgage interest rate…”
Austin P.
Client
One of the few Colorado agents with this many assumptions closed
Most agents have never closed a loan assumption. I’ve closed 11, from FHA loans at 2.625% to a VA loan at 2.5%. Assumable loans can save buyers hundreds of dollars a month and help sellers stand out. I’ll help you find a home with the right interest rate, then manage the lender, servicer, and title process from contract to closing.
