PPP Returns to New Jersey 2026: What Brokers Need to Know About Investor-Loan Pricing

Prepayment penalties are back on New Jersey investor loans as of June 2026. Here's what changed and how to structure deals so your clients qualify.

Industry NewsJune 4, 20266 min read

By Cake Mortgage Team

Prepayment penalties are back on New Jersey investor loans as of June 2026. Here's what changed and how to structure deals so your clients qualify.

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Insight · August 10, 2026 · 3 min read
Cake Mortgage Funds $1.53B in Q2 2026, More Than Doubling Year Over Year
A look inside Cake's Q2 2026: funded volume more than doubled, DSCR led the book, and average loan sizes grew, all while disclosures held at 1 to 2 days.
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Announcement · August 3, 2026 · 1 min read
Broker Self-Disclosure Requirement Starts August 3, 2026
Starting August 3, 2026, brokers will issue the initial disclosures on all loans. Here is what is changing and how Cake's support team can help.
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Scenario
Scenario · June 23, 2026 · 3 min read
Subject-To Acquisition, Charged-Off First Mortgage, 3 Rejections — Cake Funded in 22 Days
Subject-to acquisition loans don't have to mean an automatic no. See how Cake worked through a charged-off prior first and funded the deal in 22 days.
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