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Cake as in “piece of cake,” as in the mortgage process shouldn’t be terrible and confusing. Rather, it should be a celebration with candles, singing, and a little champagne—or beer if that’s your thing. Forget complicated. Cake is an easy mortgage lender for all your home loan needs.
Cake combines tech-fueled efficiency with human-powered care to make the mortgage-lending process easy.
Whether you’re refinancing or purchasing your first home, we make it easy and transparent so you know exactly where you are in the process at all times.
At Cake, we know you’re a real person, not just a credit score. That’s why we offer loans that many other lenders simply won’t approve. Self-employed? Low FICO score? We’ve got you covered.
We specialize in veterans home mortgages and manufactured home mortgage loans. Our job is to alleviate the stress and anxiety associated with the mortgage process. Your job is to celebrate.
Purchase Advice
Understanding Home Mortgage Options
Whether you're a first-time homebuyer, upgrading your primary residence, looking to buy a vacation home, or purchasing an investment property, it is Cake's goal to tailor a loan specific to your needs regardless of your financial situation. We make the mortgage lending process easy by offering conventional loans, jumbo loans, Federal Housing Administration loans (FHA), veterans home mortgage loans (VA), manufactured home mortgage loans, and non-QM loan options.
Can I really afford to buy a home?
The answer is probably yes. The question is how much home can you afford? Give our purchase-dedicated staff a call or start online so that we can determine your buying power today.
I just signed my contract, what now?
Send a copy of your fully executed purchase agreement to your loan officer. You will receive a copy of your loan disclosures via Cake’s secure online portal. At that point, a dedicated Cake Concierge will guide you through the process of obtaining your mortgage. Our 100% purchase-dedicated staff will work around the clock to ensure a smooth process to meet your closing date.
Pre-Qualification vs Pre-Approval
We complete a quick pre-qualification application for our easy mortgage lending process where we check your credit profile compared to your monthly income to determine your buying power. The next step is to validate the information provided verbally with your income and asset documentation. Once we verify this information, we will send you a Cake Cash Pre-Approval that solidifies your buying power. A pre-approval will give you the edge you need to get the home you want.
Dream Bigger
Finally, mortgage lending made easy. Let Cake make the sweet, sweet taste of homeownership a reality. Go ahead, take a slice.
Our tech is amazing, but our people make the difference.
Our customers love Cake.
We think our team members are the best, but then again, we’re a little biased. That’s why we let our customers decide who gets top honors.
Looking to refinance a current home? We make that easy, too.
Tell us about your current loan
See how much our refi customers are saving.
See how much your neighbors are saving
Refinance Advice
What is Refinancing?
Refinancing is the replacement of an existing mortgage obligation with another mortgage obligation under better terms that provides a net tangible benefit to you. In other words, we give your mortgage a makeover to save you money.
Understanding Home Refinance Options
Reducing your term to pay off your loan faster will save tens of thousands in interest. A refinance can also lower your monthly payment and eliminate any possible private mortgage insurance. A cash-out refinance can pay off debt, lower your monthly expenses, pay for home improvements, or fund investment opportunities—the possibilities are endless.
Should I Refinance My Mortgage?
You’ve likely heard that rates are higher than their recent all-time lows. Depending on how long you’ve owned your home and your specific financial situation, a refinance could still make sense. If your home value has increased over the past few years, a cash-out refinance may be a good way to access that equity. Our goal is to make mortgage lending easy, and we will walk through all your refinancing questions. Call to speak with a Cake Consultant to determine how many benefits there are for your loan scenario. You can also see our live pricing above and proceed to our cakeulator to determine your life-of-loan.
Contact Us
Our U.S.-based customer service team is here and ready to help you find your low home mortgage rate!
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