Seller offering Interest Rate Buy/Down to buyer who can close by 12/31/2025. A rare Michael Gregory Collection home in Woods Valley—crafted for elegance, comfort, and sustainability. Built in 2015, this residence sits in the exclusive Masters Collection, a gated enclave of just 16 distinct homes tucked “over the bridge” between scenic Vistas and the 17th hole of the Native Oaks Golf Course. Known for timeless architecture and superior craftsmanship, the Michael Gregory Collection represents the finest of Woods Valley living. Interior Excellence This home lives like a single story, featuring a main-level primary suite and two additional en-suite guest rooms on the first floor, complemented by two upstairs suites with a shared bath. The design blends open-concept living with thoughtful detail: 19-foot floor-to-ceiling precast fireplace anchoring the great room Formal dining room and convenient main-level laundry Hardwood flooring, plantation shutters, and vaulted ceilings Chef’s kitchen with double ovens, stainless LG appliances, 4 cm granite counters, and a large island Outdoor Lifestyle Set on 1.82 acres (with portions preserved as open space), the property is surrounded by mature trees, walking paths, and landscaped play areas. Outdoor entertaining is effortless with a motorized louvered pergola, expansive patios, and gardens designed for both beauty and efficiency. The yard features succulent gardens and exotic plantings, maintained by a dedicated micro water system. Energy Efficiency & Sustainability Beyond its 2x6 construction and energy-smart features—dual-glazed Low-E windows, 3-zone A/C, recessed LED lighting, occupancy sensors, sealed burners—the home is enhanced by a fully-owned 13.87 kW solar system (38 LG365 panels with SolarEdge inverters, installed 2019). Producing approximately 21,767 MWH per year, this system reduces electricity bills by —producing 111% of annual usage and saving the equivalent, while offsetting 24,000+ lbs of CO2 emissions annually. Additional updates include full gutters for durability and drainage peace of mind and fire surpression sprinker system. Why This Home Stands Out Exclusive double cul-de-sac location within Woods Valley’s most private enclave Expansive view lot overlooking open space and golf course Modern efficiency paired with timeless Michael Gregory craftsmanship Turnkey enhancements: motorized pergola, upgraded micro-irrigation, solar, gutters, and exotic landscaping 14128 Winged Foot Circle is more than a home—it’s a rare opportunity to own a piece of the Michael Gregory Collection in one of North County’s most serene gated communities. Beautiful inside and out, this property was designed for a lifestyle of elegance, efficiency, and effortless indoor-outdoor living.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
