Padi Goodspeed

With decades of expertise in mortgage lending, I make home financing simple, transparent, and stress-free.

TOP 49 in the country, Scottsman Guide

top 12 IN CALIFORNIA

TOP 0.01% NATIONWIDE

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WHO I HELP

Whether you're buying your first home, growing your investments, or guiding your clients—I've got your back.

First-time Buyers
Self-Employed & Entrepreneurs
High-Income Professionals
Real Estate Investors
Realtors & Partners

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MORTGAGE PROGRAMS

From first-time purchases to refinancing, I provide clear, personalized guidance every step of the way. Together, we’ll find the loan program that fits your goals and lifestyle.

Conventional

Flexible and widely trusted.

A great choice for buyers with strong credit and steady income. These loans offer competitive rates, flexible terms, and work well for both first-time and repeat buyers.

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FHA / VA / USDA

Government-backed and accessible.

FHA loans are ideal if you have a lower credit score. VA loans serve eligible veterans and military families, and USDA loans help buyers in rural areas — often with little to no down payment.

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Jumbo

For high-value homes.

Financing a high-value property? Jumbo loans exceed standard lending limits and are perfect for buyers in competitive or luxury markets.

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Specialty Programs

Creative, flexible solutions.

Innovative options like CashPlus, Bridge Loans, Lock 2 Sell, Equity Express, RSU Loans, and Bye Bye PMI give you more flexibility, faster access to equity, and smarter ways to buy or sell with confidence.

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MONTHLY WEBINAR WITH PADI GOODSPEED

Join me once a month to address the truth behind the headlines and interpret the news in a way that matters most, for you and your clients!

Client testimonials

My clients’ experiences speak louder than promises. Read what homeowners and partners have to say about what it’s like to work together.

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THEE BEST IN THE MORTGAGE FINANCE GAME!

I had the honor and pleasure of working with THE BEST mortgage advisor in the game! As a Probate, Trusts and Estates attorney, I have worked with many mortgage advisors, and Padi is, hands down the best at what she does! We first engaged Padi to assist in financing our second home, and she got the job done quickly and seamlessly. We didn’t have to sell our first family home, and we were able to keep it and rent it out due to Padi’s diligence and expertise A year later, when interest rates dropped, we were ready to refinance our new home to get lower payments. With the help of Padi, our mortgage was reduced by $2,000!

vgreenusf from Oakland, CA

Your in great hands with Goodspeed!

Padi Goodspeed and her team are nothing short of amazing! They managed to refinance our property in Crestone, which was probably one of the most challenging tasks anyone could take on. Her expertise, persistence, and determination were unmatched. Padi got it done when no one else could, and we couldn’t be more grateful. If you need a lender who truly delivers, she’s the one to call!

Danielle Gunter from Crestone, CO

Padi gets it DONE

We found our dream home, but it needed a tricky loan deal to make it work. Padi not only provided us with options that made us just as attractive as cash, but has guided us smoothly through the whole process. This is our second time working with Padi, and will not be our last. She has truly earned our loyalty! Do yourself a favor and let her get you into your next home.

Rhonda & Steve from Oakland, CA

Excellent team work.

I had an wonderful experience working with Padi and Cross Country Mortgage! The team was exceptionally competent and professional. Communication was fast, making the entire process seamless. From start to finish, everything was handled with such efficiency that it felt completely stress-free. I highly recommend Padi and Cross Country Mortgage. They truly go above and beyond to make the mortgage process as easy as possible.

Cam T from San Francisco, CA