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

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

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.

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.

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

Gamechanger

Padi digs in, solves problems and is watching all players to ensure a successful close. She spent countless hours with the underwriter, CPA and broker to close my loan.

Brylea Burkhart 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

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