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Making the mortgage process a piece of Cake with Non-QM loans and lightning-fast approvals. Get expert advice and competitive rates tailored to your unique situation.
Cake Mortgage is the fastest growing Non-QM wholesale lender in the nation. Our commitment to speed, pricing, and broker partnerships has fueled our rapid expansion across 49 states.
A complete product suite for every borrower scenario — from Agency to Non-QM.
Loan amounts up to $5M
Full Doc, Bank Statement, P&L Only, Asset Utilization, 1099, and more
Investment property loans based on rental cash flow
Tap into your equity with a fixed second lien
Fannie Mae & Freddie Mac agency loans
Government-backed loans with flexible guidelines
We built our platform around what brokers actually need.
1-2 day turn times on disclosures. We engineered our entire operation for speed — because time kills deals and we refuse to sit on your files.
No call centers. No voicemail loops. Your dedicated Account Executive knows your deals and answers the phone — every single time.
Cake was founded by brokers who got tired of being treated like a number. We built the lender we always wished existed — flexible, fast, and human.
Aggressive volume-based pricing tiers that get better as you grow. More volume = better rates = more closings for your clients.
We follow our guidelines as written — period. No hidden conditions, no last-minute surprises, no bait and switch. What you see is what you get.
We invest in your success with free training, marketing support, dedicated onboarding, and a team that treats your borrowers like our own.
We lend nearly everywhere. We also conduct business purpose lending in states where licensing is not required.
Submissions after 2PM PST received next business day.
All days are business days.
Cake has been incredible to work with. Fast turn times and my AE actually picks up the phone.
Join 500+ brokers who chose Cake for their Non-QM lending needs. We respond in 30 minutes.