Help Your Clients With Their Biggest Financial Decision, Without Sending Them Elsewhere
Your clients already trust you with their taxes, their investments, and their long-term plans. But when they buy a home or refinance, they usually leave your office and work with someone they have never met.
Wymac Capital’s Cypher Partner program lets CPAs, enrolled agents, financial planners and other financial professionals become licensed mortgage loan originators and handle their own clients’ home loans. We provide the training, the lender relationships, the processing, and the technology. You provide the trusted advice you already give.
Most of our partners run their own firms and add mortgage origination as a service for their existing clients.
Become a Cypher Partner See how it works →
A Licensed Partnership, Not a Referral Arrangement
Federal law (RESPA Section 8) generally prohibits paying referral fees for residential mortgage business. Our program is built differently on purpose.
Every Cypher Partner is a licensed mortgage loan originator (MLO) with Wymac Capital: their California DRE license is affiliated with Wymac, and their NMLS MLO endorsement is sponsored by Wymac. Partners originate their clients’ loans themselves; they don’t refer clients to us. They are paid a commission for that origination work, and nobody is paid simply for passing along a name.
Why Financial Professionals Partner With Wymac
Keep the client relationship in your hands
A mortgage is one of the largest financial commitments your clients will make. When you guide them through it, you protect the relationship and keep their full financial picture in view.
Give more complete advice
You already know your clients’ income, tax situation and goals. Being able to talk about financing as well lets you give advice that fits together.
Earn added revenue for real work
Cypher Partners are paid a fixed, disclosed commission for the origination work they do. (See “How Cypher Partners Are Paid” below.)
Let us handle the mortgage machinery
Wymac manages lender relationships, loan processing, and day-to-day support, so you can concentrate on your client and your practice.
Use technology built for busy professionals
Our proprietary Cypher platform keeps the work organized, so serving a mortgage client fits around your practice instead of taking it over.
Backed by Experience
- Established in 1990. Wymac Capital, Inc. has been arranging home loans in California for more than three decades.
- Broad lender access. Over the years, we’ve placed loans with more than 200 lenders, and today we have access to a broad network of wholesale lenders.
- Proprietary technology. Wymac uses Cypher and RateAnalyzer, proprietary technologies of Sourcetec, Inc., licensed to Wymac Capital.
- Fully licensed. NMLS #18766 · California DRE Broker License #01121628.
How Cypher Partners Are Paid
Cypher Partners earn a fixed, transparent commission for the origination work they perform. It is structured to comply with the loan originator compensation rules of the Dodd-Frank Act and Regulation Z, and it is disclosed to the consumer. On consumer mortgage loans covered by those rules, it does not vary with the interest rate or other loan terms. We share full compensation details with prospective partners after they contact us. The commission is included in the loan disclosures the lender provides to the consumer.
Request compensation details →
Built for Your Profession
CPAs & Enrolled Agents
You already see the numbers behind every financial decision your clients make. Learn more →
Financial Planners
A home and the loan on it are central to any financial plan. Learn more →
Your Clients Stay Covered After Closing
With RateAnalyzer, our proprietary rate-monitoring system, we keep watching your client’s mortgage after the loan closes. When the client could refinance to a lower rate on a no-points, no-fees basis, RateAnalyzer flags it, giving you a reason to contact the client with good news.
See Whether the Cypher Partner Program Fits Your Practice
Tell us a little about your firm. We’ll follow up to explain licensing, training, and next steps, with no obligation.
Become a Cypher Partner Book an Online Meeting
Wymac Capital, Inc. · 346 Rheem Blvd #107, Moraga, CA 94556 (by appointment only) · Call or text 925-885-1919 · Main office 925-937-4300 · info@wymac.com
Real estate broker, California Department of Real Estate, License #01121628 · NMLS #18766 · DRE license information · NMLS Consumer Access · Equal Housing Opportunity
Cypher and RateAnalyzer are proprietary technologies of Sourcetec, Inc., licensed to Wymac Capital.
The information on these pages is for licensed and prospective financial-professional partners and is general in nature. It is not legal, tax, or compliance advice. Licensing requirements vary by state. Wymac Capital does not pay referral fees for residential mortgage loans. Cypher Partners are individually licensed mortgage loan originators who are compensated for origination work they perform.