
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.
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
Outstanding Mortgage Expertise for First-Time Buyers
Working with Padi to buy our first home was an incredible experience! She is exceptionally resourceful and went above and beyond, making herself available late nights and weekends to ensure our paperwork was in perfect order. As first-time homebuyers, we had many questions, and Padi patiently answered every one. She seamlessly coordinated with the sellers and escrow, consistently advocating on our behalf. Thanks to her dedication, we closed on time and secured a good rate in this market! Her team was also very efficient and a pleasure to work with. We highly recommend Padi to anyone in need of a mortgage and look forward to working with her again in the future!
Nima from San Jose, 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
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