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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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Your Local CrossCountry Mortgage Loan Officer
Padi Goodspeed
- SVP, Branch Manager
- Roseville, CA Mortgage Loan Officer
- NMLS # 191659
America’s #1 Retail Mortgage Lender
Hi, I’m Padi. Since 2002, I’ve been dedicated to providing sustainable financing for successful homeownership. Whether you’re looking to finance or refinance your first home, your next home, or an investment property, I’m here to give you a guiding hand.
As part of our Roseville, CA branch at America’s #1 Retail Mortgage Lender, I offer a wide range of products, including conventional, jumbo, FHA, VA, and non-QM loans. Together, we’ll walk through the steps of your home loan journey. From pre-approval to closing and beyond, I’ll make sure you know what’s happening with your mortgage and answer your questions along the way.
Having funded nearly $1 billion in residential loans and being named to the Top 100 Women Originators list in 2021 and 2022, you can rest assured that I have the experience necessary to create solutions and a clear path to your goal.
Padi’s Reviews
My Videos
Guides and resources
My social posts
Join us for local or online event
Truth Behind the Headlines with Padi Goodspeed
Thursday, August 20, 2026 | 10:00 AMTruth Behind the Headlines with Padi Goodspeed
Thursday, September 17, 2026 | 10:00 AMTruth Behind the Headlines with Padi Goodspeed
Thursday, October 15, 2026 | 10:00 AMInspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.