Cypher™ Frequently Asked Questions

How do my clients benefit?
You are involved in the loan process and can make sure your clients are taken care of properly. Through Wymac Capital, Inc. you and your clients have access to:
•A variety of lenders and loan products
•Competitive rates
•The RateAnalyzer™ system that allows us to track your clients rate and alert them when they can be refinanced (usually at no cost to them)

What types of loans do you offer?
We work with many of the top national lenders and can meet most mortgage needs. We offer:
•Fannie/Freddie conforming and high balance conforming loans
•True Jumbo loans to $5MM
•Government loans, FHA, VA
•Fixed and Adjustable
•Interest Only
•Reverse Mortgages - Usually at very little cost to the client
•Multi unit apartment
•Mixed use and commercial

How difficult is the work I must do?
It’s very simple and easy to work with us. The Cypher™ system is designed to ensure that you are compliant with state and federal regulatory agencies with respect to the amount of work you are required to complete during the loan process. Since you have much of the information needed to begin a loan for your clients, your responsibilities typically take about an hour, and your involvement in the loan process makes it much easier for your clients.

How much does it cost to work with you?
It is completely free to you. If you are not already licensed to do mortgages, you will have the normal cost of getting licensed.

Do you charge my clients extra to justify paying me?
Our pricing remains the same whether the borrower comes through you or directly to Wymac Capital, Inc. We can justify your compensation because you are doing part of the work and you should be paid for it.

How do I get paid?
Upon funding of the loan and Wymac Capital, Inc. being paid by our lender/investor, we will send you a check.

Who do you pay?
We pay the individual or company that is licensed with Wymac Capital, Inc. and has done the necessary work.

Who can use Cypher™?
Cypher™ is designed for financial professionals that already have information on their clients/customers. This includes, but is not limited to; CPA’s, Enrolled Agents, Financial Planners, Insurance providers and Real Estate Brokers, Banks, Credit Unions, and other Financial Professionals.

For more information contact us at 925-937-4300 or

Cypher™ may be covered under one or more of the following U.S. patents:7315841, 7340435, 7386504, 7620598, 7761372 and 8527402 with other patents pending.