Jon Marquez - Realtor

COMING SOON | 3860 Vrain Street, Denver
A renovated Berkeley classic with room for the projects, tools and weekend gear that make a house your own. The seller reports nearly $400,000 invested in renovations, and these first-look photos show the refreshed interior, oversized detached garage and generous rear area.
Nearby Tennyson Street brings art walks, restaurants, live events and the October 17 Tennyson Fall Fest.
Explore neighborhood events: https://www.exploretennyson.com/
Tennyson Fall Fest: https://tennysonfallfest.com/
These are my first iPhone photos; professional photography is planned. DM me VRAIN for launch details and a first look when showings begin.

A home that makes room for work and time together. At 9937 S Gwendelyn Place, a dedicated main-floor office sits apart from the spaces for cooking, dining and gathering. Three bedrooms upstairs, a three-car garage and a fenced yard complete the picture. Mansion Pointe, Highlands Ranch | $749,900. DM me to schedule a private showing.

Imagine coming home to this setting in gated Woodmoor Mountain. At 13084 Deer Ridge Way, 4.03 acres border Pike National Forest, while an automatic whole-home generator is one of the home’s practical features. Four bedrooms, four baths and a three-car garage give you room to settle in. Offered at $995,000. DM me for a private showing.

Two $400,000 mortgages can produce very different monthly payments.
On a hypothetical 30-year loan:
- 3.00%: approximately $1,686/month
- 7.28%: approximately $2,737/month
- Difference: approximately $1,050/month
These figures reflect principal and interest only, but they show why buyers may notice a verified low-rate assumable mortgage.
If your home has older FHA or VA financing, the rate, balance, payment and equity requirement may deserve investigation before the property is marketed.
It does not mean every mortgage can be transferred or every buyer will qualify. The loan type, servicer approval, remaining balance and buyer’s qualifications all matter.
Don’t just market your home—market the mortgage attached to it.
📩 Message me “MY RATE” and I’ll help you take an initial look.
I’m a UMeProjects Certified Assumption Expert with Compass.
Illustrative principal-and-interest comparison only. Taxes, insurance, HOA, mortgage insurance and costs are excluded.

What if this $369,900 Denver condo came with a 2.875% mortgage rate?
5751 E Ithaca Place #4 offers two bedrooms, two bathrooms, 1,845 square feet and a one-car garage.
The public listing remarks advertise an existing VA loan of approximately $330,000 at 2.875% that may be assumable.
Using those rounded figures, the difference between the asking price and advertised loan amount is approximately $39,900—before payoff changes, closing costs and other required funds.
That is not a final cash-to-close figure. The actual payoff, monthly payment, remaining term, servicer requirements, buyer eligibility and VA-entitlement implications still need to be verified.
📩 Message me “ITHACA” and I’ll help investigate the actual financing.
I’m a UMeProjects Certified Assumption Expert with Compass.
Listed by Adam Haman | Your Castle Real Estate Inc. | MLS #6389031.
Subject to servicer approval and buyer qualification. All financing figures and terms must be independently verified.

At 9937 S Gwendelyn Place, the three-car garage makes room for vehicles and gear, while a dedicated main-floor office keeps work separate from the three bedrooms upstairs. A fenced private yard rounds out the space. Offered at $749,900 in Mansion Pointe. DM me to schedule a private showing.

Mountains in view while dinner is on the stove. At 13084 Deer Ridge Way, the kitchen offers generous counter space, an island and windows onto the wooded setting. The open main level makes gathering easy; outside, 4.03 acres border Pike National Forest. Four bedrooms, four bathrooms and a three-car garage in gated Woodmoor Mountain. Offered at $995,000. DM me to schedule a private showing.

A low mortgage rate can attract buyers—but the equity gap determines whether the opportunity is financially workable.
The equity gap is the difference between the negotiated purchase price and the remaining assumable loan balance.
For example:
$600,000 sale price
− $500,000 remaining loan balance
= $100,000 equity gap
That $100,000 does not disappear because the buyer is assuming the mortgage. It still must be addressed, potentially through cash, eligible additional financing or another properly approved structure.
The actual calculation may also be affected by:
- The seller’s current payoff
- Closing costs
- Loan-assumption fees
- Secondary-financing rules
- Buyer qualification
- Appraisal or property requirements
- Servicer processing requirements
This is why sellers should obtain current loan documentation before advertising an assumable mortgage. A great rate may be a meaningful marketing advantage, but buyers need enough information to evaluate the entire transaction.
Don’t just market your home—market the mortgage attached to it.
📩 Message me “MY RATE” and I’ll help you take an initial look at the rate, balance and potential equity gap.
I’m a UMeProjects Certified Assumption Expert with Compass.
Hypothetical educational example only. Not every mortgage is assumable, additional financing may not be permitted, and every buyer must qualify. Verify all terms with the lender or servicer.