Padi Goodspeed - NMLS 191659

Padi Goodspeed - NMLS 191659 Cross Country Mortgage | NMLS ID 3029 BRANCH NMLS 2353316 | Equal Housing L Padi Goodspeed began her career in lending in 2002.

Today, she has been recognized as one of the Top 100 Women in Mortgage Origination nationwide. Her production ranks her within the Top 1% of the industry nationwide. With over $1B in funded loans, her experience is what gives her an edge. Her discipline and passion are reflected in her personal life as well. Padi is a mother of two thriving young ladies, she enjoys reading, exercising, and cooking

fabulous meals for her friends and family. For licensing information, go to: www.nmlsconsumeraccess.org
Georgia Residential Mortgage Licensee
Illinois Residential Mortgage Licensee
Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTโ€™S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTโ€™S WEBSITE AT WWW.SML.TEXAS.GOV

Your buyer is waiting for rates to drop. Your seller can't find their next house. And every headline this month told a d...
05/26/2026

Your buyer is waiting for rates to drop. Your seller can't find their next house. And every headline this month told a different story.

That was May's webinar in a nutshell, and if you missed it, swipe through because this one was packed.

We covered where rates actually stand right now and why the bond market is pricing in a hike before December, not a cut. We talked about what's keeping rates elevated โ€” inflation, a labor market that won't cool, and an oil shock that's pushing prices higher with it. And we gave you the exact language to use when your buyer says they're waiting for better conditions.

Here's the thing nobody wants to say out loud: waiting isn't neutral. Every month a buyer sits on the sideline, the market keeps moving. The question isn't whether rates are high. It's whether the strategy you're using right now accounts for what's actually happening.

We also broke down the Bridge Loan conversation that most agents still aren't having with their move-up clients, and it's one of the most powerful tools in this market.

The replay is available. Link in bio or screenshot to tap the QR code on the last slide.

And if you want to talk through what any of this means for a specific client situation, reach out directly.

That's what I'm here for.

๐Ÿ’ฌ Drop a "WEBINAR" in the comments and I'll send you the replay link directly.

The newsletter is out this morning and this week's webinar is Thursday at 10AM. Are you registered? We're covering the n...
05/18/2026

The newsletter is out this morning and this week's webinar is Thursday at 10AM. Are you registered?

We're covering the new Fed chair, why rates aren't dropping yet, and why buyers are actually coming back stronger than most people expected.

If you've been trying to make sense of this market, this is the conversation worth showing up for.

Register at thetruthbehindtheheadlines.com or comment "webinar" & we'll send you the link.

05/13/2026

Two events. Two weeks. And one very good reason to save this post!

Coming up on May 21st we're on Zoom for The Truth Behind the Headlines at 10 AM PST. Every third Thursday, we cut through the noise and talk about what's actually happening in this market.

And on May 28th we're in Lodi with Elias Astuto for Master Key, an in-person workshop at the Lodi Association of Realtors. If you've ever wondered how a self-employed buyer with $0 taxable income can get approved for a home, this is the room where that conversation happens.

Swipe to see a short clip from our last Master Key in Modesto so you know exactly what you're signing up for!

If you'd like to join the webinar, register here: https://padigoodspeed.com/tbth

If you'd like to register for Master Key, RSVP here: https://events.padigoodspeed.com/event/master-key-with-elias-astuto-2

We're looking forward to seeing you!
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Closing costs don't have to catch you off guard. This breakdown covers everything from loan origination fees to transfer...
05/04/2026

Closing costs don't have to catch you off guard. This breakdown covers everything from loan origination fees to transfer taxes so you know exactly what to expect before you get to the table.

Save this for when you're ready to buy, and tag a friend who's been asking "wait, how much do I actually need?" ๐Ÿ‘‡

Buying a home is exciting. Feeling prepared makes it even better.

Know someone buying this year? Send it their way. And when you're ready to get started, head to our website to submit your application. We'll take it from there. ๐Ÿก

April showers bring May flowers, and for the month of May, this is all we're manifesting. ๐ŸŒท A sink full of tulips, a nev...
04/28/2026

April showers bring May flowers, and for the month of May, this is all we're manifesting. ๐ŸŒท A sink full of tulips, a never-ending cup of coffee, hot leads, closed applications and absolutely zero dirty dishes.

Tax season is behind us, and now the real work begins. ๐Ÿ’ฐMost people treat their 401(k) like a "set it and forget it" acc...
04/28/2026

Tax season is behind us, and now the real work begins. ๐Ÿ’ฐ

Most people treat their 401(k) like a "set it and forget it" account and miss out on strategies that could seriously change their financial picture. But here's what everyone overlooks: the rules aren't as simple as you've been told, and if you're not paying attention, you're leaving money on the table.

Swipe through and save this one!

We're breaking down the 6 biggest 401(k) misconceptions so you can spend the rest of 2026 being intentional about where your money goes and how hard it's working for you. ๐Ÿ“Œ

Drop a ๐Ÿ’ฌ below if this opened your eyes to something new.

April's session is done and honestly... we packed A LOT into one hour. ๐Ÿง We talked mindset, we talked about the market, a...
04/24/2026

April's session is done and honestly... we packed A LOT into one hour. ๐Ÿง 

We talked mindset, we talked about the market, and we got into the psychology about what's actually keeping buyers stuck right now.

If you were there, you felt it. If you weren't, the replay is free and worth your time!

Swipe through to catch the highlights, then head to letsgetyouhome.com to watch the full thing and grab your spot for next month.

We'd love to know what landed for you. Drop it in the comments. ๐Ÿ‘‡ This community is the best part of doing this, and we mean that.

We can't wait to see you at the next one on May 21st at 10am PST!
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housing market, real estate mindset, buyer psychology, mortgage expert, Sacramento mortgage, Bay Area real estate, webinar replay

Tomorrow's the day. ๐Ÿ—๏ธWe're heading to the Lodi Association of Realtors for another Master Key Workshop, and this one is...
04/20/2026

Tomorrow's the day. ๐Ÿ—๏ธ

We're heading to the Lodi Association of Realtors for another Master Key Workshop, and this one is going to hit different. We are bringing the real talk: what's actually driving deals right now, the creative financing tools your clients need (bridge loans, Non-QM, and more).

And most importantly, the mindset shift that separates the agents who are thriving in 2026 from the ones just waiting for rates to drop.

If you're a realtor in the Modesto/Lodi area, there's still time to grab your seat. ๐Ÿ‘‡

๐Ÿ“… April 21

โฐ 11:30 AM โ€“ 1:30 PM

๐Ÿ“ Lodi Association of Realtors, Modesto Office

Link in bio to register! See you tomorrow ๐Ÿ”‘

Tomorrow at 10AM PST โฐ We're going live and we want you there with us. With mortgage rates today doing what they're doin...
04/15/2026

Tomorrow at 10AM PST โฐ We're going live and we want you there with us. With mortgage rates today doing what they're doing, we know the real estate market update every week can feel like a lot to keep up with, but that's exactly what we're here for.

Come get the full picture, leave feeling grounded, and walk into your next conversation knowing exactly what's happening and why. Whether you're buying, selling, or helping clients navigate it all, home buying in California right now is a conversation worth having.

Register at thetruthbehindtheheadlines.com and we'll see you on Zoom!

Not being ready is not the same as not being able. Four months into 2026 and the opportunity is still very much there! T...
04/13/2026

Not being ready is not the same as not being able.

Four months into 2026 and the opportunity is still very much there! The question is whether you're going after it.

This is your sign to make a move, we've got something for you every week this month.

This Thursday we've got our webinar at 10am PST, April 21st is Master Key with Elias Astuto in Modesto, and April 30th we're closing out the month in the Bay Area for Champagne, Caviar & a Conversation Worth Having alongside Brett Jennings and Beth Lazar from The Real Estate Experts team.

Are you on our list? Comment MASTER KEY and we'll make sure you've got everything you need. ๐Ÿ’›
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mortgage
real estate
home buying
2026 goals
Bay Area real estate
Sacramento mortgage
first time home buyer
self employed buyer
real estate events
financial strategy

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2999 Douglas Boulevard Suite 180
San Diego, CA
95661

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