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I love all the present, perfect tense verbs in the verses you referenced - we have. Some try to quibble with assurance passages by saying it says "might"; "may", "shall", and, by that, implying that this is something that God wants to keep us in the dark about (kinda like "Keep 'em guessing so they stick to it.") Yet in so many places He states unequivocally that we can right now have eternal life. The "if" part is by faith, of course, through faith is what grace uses to grant it. God says that without faith it is impossible to please Him, so that is the part we demonstrate and it is NOT a work but an ascent, an acceptance of what His grace gives. I am constantly amazed at how difficult some people try to make it. I think it goes back to my previous comment, that some just cannot humble themselves before God to admit they bring NOTHING by which to merit Heaven. And we know that without this, we cannot be saved. We surrender ALL to Him, ALL to Him we freely give.

2 Corinthians 6:2 2 For he says, “In a favorable time I listened to you, and in a day of salvation I have helped you.” Behold, now is the favorable time; behold, now is the day of salvation.