Let's Get you home
From first-time buyers to seasoned investors, I’ll help you find the mortgage program that fits your financial needs, lifestyle, and long-term plans.
Find the story that sounds like yours.
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First-Time Buyer
I help first-time homebuyers navigate the excitement and uncertainty of purchasing their first home with confidence and clarity.
Case Example:
Sarah, 29, is a marketing professional renting an apartment in Los Angeles. She’s finally ready to buy her first home but feels overwhelmed by the process — from credit checks to down payments and loan types. Sarah dreams of owning a home where she can start building equity and stability but doesn’t know where to begin.
Challenges:
- Confusion about mortgage options and eligibility.
- Fear of making a costly mistake.
- Limited savings for a down payment.
Goals:
- Understand the homebuying process step by step.
- Secure an affordable mortgage with manageable payments.
- Build confidence as a first-time homeowner.
Let’s take the stress out of your first home purchase — together.
Entrepreneur / Self-Employed
I specialize in helping entrepreneurs and self-employed professionals achieve homeownership, even with complex income streams.
Case Example:
David, 32, runs a small design studio and files 1099 income. Despite steady business growth, traditional lenders have rejected him for inconsistent income documentation. He’s tired of explaining his finances to people who don’t understand entrepreneurship.
Challenges:
- Irregular or non-traditional income documentation.
- Difficulty qualifying through standard lending criteria.
- Frustration with lenders who don’t “get” his business.
Goals:
- Find a flexible mortgage program that fits his income reality.
- Buy a home without compromising financial stability.
- Work with a lender who values and understands entrepreneurs.
Let’s build a mortgage plan that works as hard as you do.
High-Income Professional
I guide high-income earners toward premium financing solutions tailored to their lifestyle, long-term goals, and financial strategies.
Case Example:
Dr. Emily, 42, is a surgeon who recently relocated to San Diego. She earns a high income but also carries significant student loans and investment obligations. She wants a luxury home but values smart, strategic financing that complements her broader financial plan.
Challenges:
- Balancing high income with complex debt and asset structures.
- Desire for privacy and efficiency in the lending process.
- Need for tailored mortgage solutions, not one-size-fits-all offers.
Goals:
- Access premium lending programs with competitive terms.
- Align mortgage strategy with long-term financial planning.
- Secure a home that reflects her success and stability.
Let’s design a mortgage plan that fits your success.
Real Estate Investor
I partner with investors to structure smart financing that grows portfolios, increases cash flow, and builds wealth over time.
Case Example:
Jason, 52, owns several rental properties across California. He’s looking to expand but needs a lender who understands investment strategy and can help him leverage equity efficiently.
Challenges:
- Managing multiple loans and cash flow.
- Finding competitive rates for investment properties.
- Balancing risk and reward in a shifting market.
Goals:
- Expand his real estate portfolio strategically.
- Optimize loan structures for long-term returns.
- Build a sustainable path toward financial independence.
Let’s plan your next investment move — smart, strategic, and stress-free.
Realtors & Partners
I collaborate with real estate professionals who share our passion for client success and smooth closings.
Case Example:
Melissa, 35, is a top-producing real estate agent who values communication and reliability. She’s looking for a lending partner who will prioritize her clients and ensure every deal closes seamlessly.
Challenges:
- Managing tight timelines and demanding clients.
- Needing a lender who’s responsive and solutions-driven.
- Ensuring client satisfaction through clear, proactive communication.
Goals:
- Build strong, lasting partnerships based on trust.
- Deliver seamless experiences from offer to closing.
- Grow her business with a dependable lending partner.
Let’s collaborate to create exceptional client experiences together.
2025 © Padi Goodspeed | Branch Manager | NMLS #191659
This individual is licensed in the following states:
AZ, CA, FL, GA, IL, IN, KY, TX, IA, KS, SD, WI, DE, LA, ME, NC, ND, PA, TN
CrossCountry Mortgage, LLC, 2160 Superior Avenue, Cleveland, OH 44114 NMLS3029 | RM.803095.000
All endorsements and testimonials are given without incentive or compensation.
