Important Legal Information

Important Notice

The information provided on this website is for informational purposes only and does not constitute financial advice. All loan terms, rates, and conditions are subject to credit approval and may change without notice. Please consult with a qualified mortgage professional before making any financial decisions.

Equal Housing Opportunity

Fair Housing Commitment

Cake Mortgage Solutions is committed to ensuring that all applicants receive equal treatment in the mortgage application process. We do not discriminate based on race, color, religion, sex, national origin, familial status, disability, or any other protected characteristic under federal, state, or local fair housing laws.

If you believe you have been discriminated against, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) by calling 1-800-669-9777 or visiting www.hud.gov.

Reasonable Accommodations

We provide reasonable accommodations for individuals with disabilities throughout the mortgage application process. Please contact us to discuss any accommodations you may need.

Privacy & Data Protection

Information Collection

We collect personal and financial information necessary to process your mortgage application and provide our services. This includes but is not limited to: personal identification information, employment history, income verification, credit information, and property details.

Information Sharing

We may share your information with third parties as necessary to process your loan application, including but not limited to: credit reporting agencies, appraisers, title companies, investors, and regulatory agencies. We do not sell your personal information to third parties.

Data Security

We maintain physical, electronic, and procedural safeguards to protect your personal information. Our systems are regularly updated and monitored to ensure the highest level of security.

Licensing & Regulatory Information

Company Licensing

Cake Mortgage Solutions is licensed to conduct mortgage lending business in multiple states. Our licensing information includes:

  • NMLS Company ID: #123456
  • Licensed in: TX, CA, FL, NY, IL, OH, GA, NC, VA, WA
  • Additional licensing information available upon request

Loan Officer Licensing

All loan officers are licensed through the Nationwide Multistate Licensing System (NMLS). You can verify individual loan officer licenses at www.nmlsconsumeraccess.org.

Terms of Service

Website Usage

By accessing and using this website, you agree to be bound by these terms and conditions. The content on this website is for informational purposes only and does not constitute a commitment to lend.

Rate and Program Disclaimers

All rates, fees, and loan programs are subject to change without notice. The information displayed is not a commitment to lend and is subject to credit approval, income verification, and property appraisal.

APR Disclosure

The Annual Percentage Rate (APR) is a measure of the cost of credit expressed as a yearly rate. APR incorporates the interest rate and certain other charges and fees. All APR calculations are estimates and actual rates may vary based on loan terms and creditworthiness.

TRID Disclosures

Loan Estimate

Within three business days of receiving your mortgage application, we will provide you with a Loan Estimate that details the key terms and estimated costs of your loan. This estimate is valid for 10 business days.

Closing Disclosure

You will receive a Closing Disclosure at least three business days before closing. This document provides final details about your loan terms and closing costs. You have the right to review this document and ask questions before proceeding to closing.