Adam Godby

Loan Officer Team Lead, Paddio Home Loans of MortgageResearch.com

Adam Godby (NMLS #2286643) ensures his clients have the best possible experience making their homeownership dreams a reality. He prides himself on being a true advocate for everyone he works with. Adam is a Loan Officer and Team Lead at Paddio Home Loans (NMLS #1907), a Springfield, Missouri-based full-service national lender whose mission is to help homebuyers find the right loan for their dream home. Equal Housing Opportunity. Paddio Home Loans is a registered DBA of Mortgage Research Center, LLC, an affiliate of Three Creeks Media.

Articles written by Adam Godby

I'm a Loan Officer. Here's How To Improve Your Credit Score Before Buying a House

The real story on how to improve credit from an on-the-ground loan officer who works with first-time buyers daily.

by Adam Godby in Credit

June 6, 2025 17 min read

The Real Story on Debt-To-Income (DTI) Ratios as Told by a Mortgage Loan Officer

What's the real max DTI for a mortgage? Not what you think. A loan officer breaks it down.

by Adam Godby in Home Loans

June 2, 2025 12 min read

First-time homebuyers smiling next to a 'for sale' sign in front of a house

The Best Down Payment Amount for First Time Buyers

A down payment shouldn't be determined simply by how much you have (or don't have) saved. A seasoned loan officer describes how he advises his clients.

by Adam Godby in Home Loans

May 1, 2025 11 min read