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

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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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.

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.

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.
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!

My clients’ experiences speak louder than promises. Read what homeowners and partners have to say about what it’s like to work together.
Best of the best
Padi is amazing. She helped me through two home purchases and was on the phone with me late some nights to make sure paperwork was correct and on time. She made the process easy to understand and was always available. Absolutely loved working with her!
Steph Campagna from San Jose, CA
Efficient, competent, kind
Padi and her team were excellent. Throughout the entire process (which included a bridge loan as well as a purchase loan), Padi was patient, thorough, and personable while talking us through all the options and permutations to help us buy our forever home. Then when it came time to complete the process, she and her team were top-notch professionals: efficient, competent, and kind throughout. Highly recommend Padi Goodspeed for your loan needs.
David Giwa from Oakland, CA
Always available
When I was first told about Padi Goodspeed, I was told she was very highly qualified in the real estate business for 21 plus years. I said she must be like " Godspeed" with the applications, which turned out to be no joke, we closed the loan process early. Goodspeed worked with me no matter what time I called her, she always answers.
Lyla from Martinez, CA
There's many lenders, but there's only one Padi.
Purchasing a home will be one of the three biggest decisions in your life (Career, Home, Partner). Many people choose their lender based on numbers only, but we chose ours based on her qualities (and also numbers). Padi is incredibly knowledgeable, as expected after over two decades of experience, but more importantly, she's willing to share that knowledge with her clients. Nobody knows everything, but that's where her other quality, resourceful, comes into play. Whatever obstacles we encountered in our journey were just opportunities for Padi to showcase her resourcefulness by overcoming them quickly and efficiently. Last, but certainly not least, she's professional. To some this may seem like a basic quality, but there are levels to professionalism, and if "epitome" was a level, she'd be the face of it. I highly recommend that if you're looking for a lender, to take that first call with Padi and see her qualities for yourself. Those 30 minutes will be the best start to your journey of finding a home. Good luck and happy hunting!
Prashant from Sacramento, CA