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Home Loan Pre-Approval is a Piece of Cake
If you’re like most Americans, your home is the most significant investment of your life. It has the potential to dramatically change your financial well-being. That’s a lot to process, right? The team at Cake is here every step of the way to help you compete with other buyers and get the best rate available anywhere. Your home loan pre-approval is ready in minutes.
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*Rate Terms
Can I Get a Mortgage with Bad Credit?
You’re not alone. We get this question a lot. At Cake, we believe in transparency and making the loan process as simple as possible. We know that life has its ups and downs, which is why we are proud low-FICO score mortgage lenders. Don’t let the past keep you from buying a new home. Our excellent Cake Consultants will work with you on your pre-approval for your home loan even if you don't have the shiniest credit score out there. We’re here to help you reach your dreams.
Where Are You On Your Path To Purchase?
I Found A Home
Great! Let’s make sure you’re armed with our Cake Cash pre-approval certificate so you’ll be ready to compete and win.
I Have An Accepted Offer
Even if you're working with another company, we can likely get you a better rate and close your loan quicker so you can enjoy your new home in no time.
The Cake Signature Home Purchase Benefits
6 Minute Cake-Cash Pre-Approval
Make sure you’re armed with our Cake Cash pre-approval home loan certificate so you’ll be ready to compete with confidence.
10 Minute Application
With Cake, you can choose to complete the application 100% online, by phone, or a little of both. Either way, our job is to make the process easy, efficient, and transparent.
24 Hour Decision
Once you apply, you'll have an answer within 24 hours (unless something bizarre happens like a solar flare, an alien invasion, or some unforeseen technological bottleneck).
24 Day Average Time To Close
From home loan pre-approval to closing, the whole process takes an average of about 24 days. A lot of times we’re even faster. If it’s slower, we’ll keep you in the loop to explain the delay.
What’s my monthly payment?
As a low-FICO score lender, we are here to support your home ventures no matter what your financial background. Take a few minutes to run some scenarios that will help you zero in on how much house you can afford. If you've got any questions along the way, call or chat with one of our helpful Cake Consultants who can help you personalize your loan.
Cake Purchase Testimonials
Cake Purchase Testimonials
Testimonial
I completed a refinance with Cake Home and they were super helpful throughout the entire process. From discussing initial loan estimates with Harry A. to the closing and processing with Patric A., they ensured all my questions were answered and that the process was easy as possible. Would highly recommend working with them!
Thomas B
Testimonial
Our experience was a smooth and quick process thanks to Syed who was a joy to work with. He provided immediate follow up, attention to detail and a friendly demeanor.
Ashley B
Testimonial
Cake Home was hands down the most professional company I have ever had the pleasure of working with for a refinance. Right from the beginning, my loan officer, Chris, was very upfront and honest about the rates I would qualify for and he delivered as promised. I was actually in the process of refinancing with another group, and I ended up cancelling because they could not even come close to what Cake was able to offer me. I then worked with the loan processor, Christin, who was in constant communication with me every step of the way. Any time I would send an email. I would get an almost immediate response. They made refinancing extremely easy and I would definitely recommend this company for any home lending needs. Thanks so much Chris and Christin!
Andrea D
Testimonial
I have worked with many mortgage and lending companies, working with Cake Home was the easiest and fastest transaction I’ve ever done. Loan Officers, Daniel and Christin, were amazing. They worked super fast, were super responsive to emails and clearly communicated everything. The gentleman that helped us in the beginning, Arshage was amazing as well, he was super friendly, very responsive and clearly explained everything every step of the way. This is a first rate company with first rate employees. I highly recommend doing business with this company!!!
Tiko
Testimonial
Wow. I just got off the phone with an amazing representative Ross Harsh. He made refinancing my home a breeze. They are lucky to have a guy who is so efficient and personable. The process was so much easier than when I first bought my home. I locked in a great refinance rate and am saving a ton of money. Thanks Ross.
Jimmy B
Testimonial
I completed a refinance with Cake Home and they were super helpful throughout the entire process. From discussing initial loan estimates with Harry A. to the closing and processing with Patric A., they ensured all my questions were answered and that the process was easy as possible. Would highly recommend working with them!
Thomas B