Question 1

How do I become a Cake Mortgage broker partner?

Accepted Answer

Fill out the Become a Partner form on our website. An Account Executive will reach out within 24 hours to walk you through the onboarding process.

Question 2

Is there a minimum volume requirement?

Accepted Answer

No. Whether you close 1 loan or 100 per month, you get the same level of service and support.

Question 3

How long does broker approval take?

Accepted Answer

Most brokers are approved within 24 hours. Some approvals happen same day.

Question 4

What states does Cake lend in?

Accepted Answer

Cake Mortgage is licensed in 49 states (all except Vermont). We can also conduct business purpose lending in additional states like New York where licensing is not required.

Question 5

What loan products does Cake offer?

Accepted Answer

We offer a full suite: DSCR, Bank Statement, P&L Only, Asset Utilization, 1099, Jumbo, Conventional, FHA, VA, and Second Mortgages.

Question 6

How do I access rate sheets and pricing?

Accepted Answer

Log in to TPO Connect, our broker portal, for live pricing, rate sheets, and lock functionality.

Question 7

Does Cake have overlays?

Accepted Answer

No. We follow our guidelines as written — no hidden conditions or last-minute surprises.

Question 8

What are the maximum loan amounts?

Accepted Answer

Loan amounts vary by product. Our Jumbo program goes up to $5M. Check the Products page or ask your AE for specific limits.

Question 9

What are Cake's turn times?

Accepted Answer

Disclosures: 1-2 days. Underwriting: 3-4 days. Condition review: 3-4 days. CD issuance: 1-2 days. Docs & funding: 2-4 days. All business days.

Question 10

What is the submission cutoff time?

Accepted Answer

Submissions received after 2:00 PM PST are processed the next business day.

Question 11

Does Cake have in-house underwriting?

Accepted Answer

Yes. Our underwriters are on staff, giving you direct access for complex scenarios without any middlemen.

Question 12

How do I submit a loan?

Accepted Answer

All loan submissions go through TPO Connect, our broker portal. You'll receive access credentials after approval.

Question 13

Will I have a dedicated Account Executive?

Accepted Answer

Yes. Every partner gets a dedicated AE who knows your deals and answers the phone — every time. No call centers.

Question 14

What is TPO Connect?

Accepted Answer

TPO Connect is our broker portal powered by Encompass. It provides live pricing, loan submissions, lock desk, pipeline management, and document upload.

Question 15

How do I get help with an existing loan?

Accepted Answer

Contact your dedicated Account Executive directly, or reach out to our support team at (833) 717-0401 or info@cakehome.com.

Question 16

What are Cake's business hours?

Accepted Answer

Monday through Friday, 8:00 AM to 6:00 PM PST.

FAQ

Getting Started

Products & Pricing

Process & Turn Times

Support & Technology

Still Have Questions?

FAQ

Getting Started

Products & Pricing

Process & Turn Times

Support & Technology

Still Have Questions?