Asked often.
Getting Started
How do I become a Cake Mortgage broker partner?
Fill out the Become a Partner form on our website. An Account Executive will reach out within 24 hours.
Is there a minimum volume requirement?
No. Whether you close 1 loan or 100 per month, you get the same level of service and support.
How long does broker approval take?
Most brokers are approved within 24 hours. Some approvals happen same day.
What states does Cake lend in?
Cake Mortgage is licensed in 48 states and DC. Business-purpose loans can still close in some states where it is not licensed; ask your AE.
Products & Pricing
What loan products does Cake offer?
Wholesale Non-QM, DSCR, and closed-end seconds. Borrowers can document income with full doc, bank statements, P&L only, WVOE only, 1099, or asset utilization. Investors can qualify on the property with DSCR, including 5 to 8 units and foreign nationals. Every program and its limits are on the programs page.
How do I access rate sheets?
Log in to TPO Connect for live pricing, rate sheets, and lock functionality.
Does Cake have overlays?
No. We follow our guidelines as written.
Process & Turn Times
What are Cake's turn times?
| Stage | Purchase | Refinance |
|---|---|---|
| Self-disclose | Instant | Instant |
| Underwriting | 1-2 days | 1-2 days |
| Conditions | 1-2 days | 1-2 days |
| CD issued | 1 day | 1 day |
| Docs and funding | 1-2 days | 1-2 days |
Business days, as posted April 10, 2026. Files that arrive after 2 PM Pacific start the next business day.
Does Cake have in-house underwriting?
Yes. Direct access to underwriters for complex scenarios.
Support
Will I have a dedicated AE?
Yes. Every partner gets a dedicated Account Executive who answers the phone every time.
What are Cake's business hours?
Monday through Friday, 8:00 AM to 6:00 PM PST.
Still have a question?
Account executives answer the main line Mon to Fri, 8 AM to 6 PM PT.
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