Sustainable Financing for Successful Homeownership

WE SPECIALIZE IN SAME DAY APPROVALS WITH THE OPTION TO HAVE A 10 DAY CLOSE*

We’re a team of experts ready to guide you down a successful & sustainable path to homeownership.

It’s our pleasure to serve you.

Sustainable Financing for Successful Homeownership

We’re a team of experts ready to guide you down a successful & sustainable path to homeownership.

We’re the best in town & have the numbers to prove it

Our Most Recent Metrics

Last Updated August 17, 2020*

5 star reviews on Zillow

million + in funded loans

years of experience

Top 1% of the originators Nationwide

*source: Mortgage Executive Magazine*

Let’s talk about

Purchasing your home

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Refinancing your home
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Planning for Homeownership

Since 2004, we’ve helped over 140 families successfully purchase homes.

Purchasing a Home

Let’s talk about purchasing your home.

We make purchasing homes a reality. 

Let us answer your question – Yes, you can buy a home. We’ve heard it all. As of 2019, 81% of Americans have credit card debt, student loans, & less than $1,000 in their savings account. We will work with you to plan accordingly to make purchasing your home a dream come true.

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Down Payment Assistance

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Getting Approved for a Home Loan

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10 Things To Know Before You Buy a Home

The best way for home ownership is to start the application for Mortgage Approval. Once your application is submitted, our team will reach out to you directly to complete the process. 

Refinancing Your Home

Let’s talk about refinancing your home.

Lower your interest rate. Cash out refinance. Reduce your monthly payments.

Reducing your interest rate not only helps you save money, but it also increases the rate at which you build equity in your home, and it can decrease the size of your monthly payment.

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Mortgages Made Easy

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203K Loans

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Reviewing Your Credit

Refinancing can be a great financial move if it reduces your mortgage payment, shortens the term of your loan, or helps you build equity more quickly. When used carefully, it can also be a valuable tool for bringing debt under control.

Planning for Homeownership

Let’s talk about planning for homeownership.

Yes, you can buy a home.

“I am an advocate for homeownership as it is the most reliable way to create generational wealth for most families. I believe everyone can and should own a home for their family. ” – Padi Goodspeed

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11 Terms To Know Before You Buy A Home

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10 Things To Know Before You Buy a Home

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A Helpful Guide to Different Home Types

The best way for home ownership is to start the application for Mortgage Approval. Once your application is submitted, our team will reach out to you directly to complete the process. 

What people are saying on Zillow

Client Testimonials

Padi and her team were excellent! She got me and my wife an amazing rate and just knocked the whole process out of the park. The communication from her team was phenomenal, recommending to all of my coworkers and friends. The whole process was made seamless, I was completely stress free and barely had to do or worry about anything other than digital signing forms. She made the process so easy especially with all the questions I had as a first time home buyer. THANKS PADI!



Micah C from Vacaville, CA

It was the fastest close of my life!! When Padi told me we were going to close in 21 days, I was flabbergasted. However, between her and Michelle, they made it happen. We had some unexpected roadblocks along the way, but they made the impossible possible. This is my fourth home to purchase.



Dr. Kecia Kelly from Oakland, CA

Since 2011, Padi and her team has never fail at delivering an incredible fast, smooth, and easy service. A stranger that helped me with the process of buying my first home in 2011 to becoming a family throughout the years. To helping my boyfriend purchase his first home And helping my parents get qualified for their home without even a pain or hustle of paperwork? How can I not keep coming back?!!! Padi and her team is always on top of everything and not once did we ever feel left out. I thank her so much for a quick responses and the delivery of her team is phenomenal. If I can give you and your team a million hugs.



Jenny S from Sacramento, CA

We're the best in the nation

Awards & Recognition

Yes, you can own a home.

Apply Now to get started.

Give us a ring

(510) 928 - 4260

Located in California

Bay Area & Sacramento

Equal Housing Lender

Padi Goodspeed | Branch Manager | NMLS #2611

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

10 Day Close*

*10 day closing from date RESPA is triggered to the issuance of final commitment letter. Guaranteed Rate cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. All dates are estimates and will vary based on all involved parties level of participation at any stage of the loan process. Contact Guaranteed Rate for more information.

Roseville, CA

8445 Sierra College Blvd Suite J Roseville, CA 95661

Send a Fax

888-705-6299

Contact Us

Phone: 916-257-9435
Office: 510-928-4260

Email Us

padi@rate.com