Life's better with Cake.

Non-QM loans for borrowers who don't fit agency guidelines.Non-QM loans for self-employed borrowers, investors, foreign nationals, and people with recent credit events. Underwritten in-house, without overlays.

Become a partner Find your cake

8 programs, each named for a cake.

Each one is built for a different borrower. Open one for its limits and matrix.

Minimum score: 620
Maximum LTV: 90%
Maximum loan: $4M
States plus DC: 48

Which programs should I review?

Enter your scenario to find programs to review. Confirm the matrix details with an account executive before you submit.

Income or loan type

Credit score

Loan-to-value (%)

Loan amount ($)

8 programs to review

These programs meet separate published ranges. Score, LTV and loan amount limits may not apply together. Check the matrix for your exact combination, purpose and property.

13 counting their Lite and Investor versions

Coffee Cakealso Lite680+ · 80% LTV · $2.5M680+ score · 80% LTV · to $2.5MView matrices
Cup Cakealso Investor620+ · 90% LTV · $4M620+ score · 90% LTV · to $4MView matrices
Sponge Cakealso Lite620+ · 90% LTV · $3M620+ score · 90% LTV · to $3MView matrices
Funnel Cakealso Lite660+ · 90% LTV · $3M660+ score · 90% LTV · to $3MView matrices
Pound Cake Lite660+ · 90% LTV · $3M660+ score · 90% LTV · to $3MOpen matrix PDF

Price it with an AE Review all 8 programs

Confirm eligibility with the matrix and guidelines before quoting or submitting a file.

Submission to funding, one layer at a time.

Turn times, in business days

StagePurchaseRefinance

Self-discloseInstantInstant
Underwriting1-2 days1-2 days
Conditions1-2 days1-2 days
CD issued1 day1 day
Docs and funding1-2 days1-2 days

Made in‑house.

Your account executive, your underwriter, and your closer all work for Cake. These are the people who run those teams, and you can call any of them by name.

David Abelyan
President & CEO
Andre Yerkanyan
FVP, Sales
Manuk Ashdjian
VP of Business Enterprise Solutions
Rich Mango
SVP of Operations
Arin Baghermian
SVP, Learning and Development
Albert Mardikian
VP of Account Managers
Bryan Snoke
Director of Compliance & HR
Call with a scenario.
30 minAverage account executive response
Talk a file through before you submit it. Mon to Fri, 8 AM to 6 PM PT.
(833) 717-0401