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 DEPARTMENT’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 DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV

🚨 Today is the day. Kevin Warsh chairs his first FOMC meeting as the new Fed Chair, and the mortgage market is watching ...
06/16/2026

🚨 Today is the day. Kevin Warsh chairs his first FOMC meeting as the new Fed Chair, and the mortgage market is watching closely.

Most people will scroll past this news and move on. But if you're a buyer, a homeowner, or a real estate professional trying to make sense of where rates are going, this meeting matters more than the headlines are letting on.

The numbers say there's a 97% probability that rates hold steady at 3.50% to 3.75%. But here's what the numbers don't tell you: what Warsh signals in that room today could set the tone for every rate decision that follows, and whether bond markets trust that direction is what actually moves mortgage rates for buyers and homeowners across the country.

If you're already subscribed to my newsletter, yesterday's edition broke all of this down in detail. Go dig it up from your inbox because it's worth the read before Thursday.

A new Fed Chair doesn't just inherit a policy. He inherits the market's expectations, and how he communicates in that press conference today will tell us a lot about what the next six to twelve months could look like for mortgage rates, housing affordability, and the real cost of buying a home right now.

That's exactly what we're breaking down in this week's Truth Behind the Headlines webinar on Thursday, June 18th. I'll translate what happened in that room and tell you what it actually means for buyers, homeowners, and anyone watching mortgage rates, home loans, and the housing market right now.

If you want in, just comment WEBINAR below and I'll send you the link to register.

After 22 years of helping families move, one of the most common things I hear is "I just didn't know that was an option....
06/14/2026

After 22 years of helping families move, one of the most common things I hear is "I just didn't know that was an option."

That's exactly why we put this together.

If you're a homeowner who's been waiting to sell before you buy, there's a smarter path and I want you to know it exists.

Scroll through and save this one because someone in your circle is probably in this exact situation right now.

The week the Fed gets new leadership is NOT the week to be guessing. Kevin Warsh chairs his first rate meeting next Wedn...
06/12/2026

The week the Fed gets new leadership is NOT the week to be guessing.

Kevin Warsh chairs his first rate meeting next Wednesday 👉 that makes this one of the most important days for mortgage rates we've had in a while.

The very next morning, I'm walking you through exactly what it means for your rate, your timing, and your next move.

This is the one webinar you definitely want on your calendar this month.

📅 June 18
⏰ 10AM PST
🎥 Zoom Webinar

Comment TBTH below and I'll send you the link, or register directly at padigoodspeed.com/tbth

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 — 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.

💬 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?" 👇

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. 🏡

April showers bring May flowers, and for the month of May, this is all we're manifesting. 🌷 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. 🌷 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. 💰Most 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. 💰

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. 📌

Drop a 💬 below if this opened your eyes to something new.

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

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. 👇 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

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San Diego, CA
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