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

LEARN MORE ABOUT

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

EXPLORE MORE

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.

INQUIRE NOW

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.

INQUIRE NOW

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.

INQUIRE NOW

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.

LEARN MORE

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.

CHECK ALL REVIEWS

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

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

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