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Our mission is to be the premier wholesale mortgage lender, providing our partners with a seamless and profitable experience. We are committed to delivering tailored solutions, exceptional service, and fostering long-term relationships built on trust and mutual success.

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How to do business with Cake

We make every step of the loan origination process easier and more efficient, so you can close more quality loans faster than ever before.

  • Product/Price Finder Find the best program that fits your client’s need.
  • Online Submission Now easier than ever!
  • Online Lock Secured Lock-in request.
  • View Pipeline Added convenience to pipeline management.
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User Manuals


Borrower Info & Frequently Asked Questions

Payments are due on the 1st of each month. On or about the 20th of the month prior to your first payment, Cake, Inc. will mail your billing statement. For your convenience, Cake has also provided you with a First Payment Letter with two payment coupons in your set of loan closing documents that you can use to mail with your check should you not receive your mortgage statement in time. In either case please include your loan number on your check, make it payable to Cake, Inc. and mail it to:

Cake, Inc.
Attn: Loan Servicing
3700 Wilshire Blvd., Suite 330
Los Angeles, CA 90010

Cake will be transferring the servicing of your loan to a new Servicer within the first 30-90 days of your loan closing. You will receive a Welcome Letter notifying you of this change. Should any payments be sent to Cake during the transferring of your loan, Cake will forward to your new Servicer for proper posting to your account. If you need to wire your payment, please call the Customer Service Department at 213-788-3530 for correct wiring instructions.

Please Note that late charges will be assessed for all payments not received in accordance with the terms of your Note. To avoid the additional expense of a late charge, please refer to your Note for the specific late charge terms applicable to your loan.

Yes, by selecting the Contact Customer Service link and providing the required information, you will be able to contact us electronically with your questions or concerns. You will receive a written response or phone call within 48 hours of receipt of your request.

Your loan will be serviced by NMSI, Inc. However, please keep in mind that your loan will be transferred to a new servicer within 30 to 60 days after closing. Please call the Customer Service Department at 213-788-3530 between the hours of 8:00 a.m. and 5:00 p.m. Pacific Standard Time, Monday through Friday.


You may send items to Cake Mortgage Corp. 9200 Oakdale Ave, Unit 501 Chatsworth, CA 91311


NMSI, Inc. typically transfers loans within 30 to 60 days after closing. You will be notified of the transfer in writing when this happens. Please make all payments to NMSI, Inc. until notified to do otherwise.


The Transfer Sale of Loan Notice informs you that your loan is being transferred to a new servicer. Please take time to read the letter carefully as it contains specific information about the new servicer of your loan as well as instructions about when to begin making your payment to the new servicer, including where to mail your payment. Additionally, the Transfer Sale of Loan Notice contains the new servicer’s customer service hours, toll free telephone number and mailing address for written correspondence.


You may fax your written request to 323-850-2285 Attn: Loan Servicing or send your written request to NMSI, Inc. at 3700 Wilshire Blvd., Suite 330 Los Angeles, CA 90010 Attn: Loan Servicing.


Home equity line of credit (HELOC) – also known as a home equity loan – is an adjustable rate mortgage (ARM) set up as a credit line from which the borrower can access or “draw” funds at their convenience. It is a 2nd trust deed loan. HELOCs are interest-only loans, which means that unlike fully-amortized home loans, payments are not typically calculated to pay down the principal amount of the loan with each monthly payment.


HELOC is a lenders?promise to advance the borrower the maximum dollar amount at the time the loan was approved and closed. When the loan closes, the payment amount stated in the loan documents must reflect what the payment would be should the borrower choose to withdraw the entire loan amount immediately. Since a HELOC’s balance will vary based on what the borrower draws, the actual interest charged and the payment calculated will be determined by the dollar amount the borrower has withdrawn.
Here’s an example: If a HELOC funds on February 10, the first payment will be due on the first day of the second month following funding – April 1. Interest is never collected upfront on a HELOC loan, so as of April 1, 48 days of interest on whatever draws the borrower has taken (if any) will have accrued. If no withdrawals have been made, no interest is due. If the entire amount was withdrawn, the maximum amount of interest will be due ?but this first payment will be higher because it’s based on 48 days worth of interest rather than the 30 days the payment in the loan documents is based upon.
Succeeding payments will be due on the first day of each month thereafter. Since the balance on a HELOC can change daily, payments will be recalculated monthly, based on each month’s outstanding balance and the current index that the payment is based on.
Remember, a HELOC’s interest rate is also based on compounded interest rather then simple interest like a standard 1st trust deed loan. Hence why the balance can change daily.

Because we transfer the servicing of our loans within the first couple of months after closing, we do not provide checks to our customers.