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, typically taking about an hour of their time per loan spread over two to four weeks.
Become a Cypher Partner See how it works →
Watch: A Fantastic Opportunity for Financial Professionals (1:45)
See why CPAs, Enrolled Agents, and Financial Planners add mortgage origination to their practice, and how more than 600 independent financial professionals have used our program to close over 15,000 home loans.
Watch: What Is Cypher? (0:34)
See how CPAs, Enrolled Agents, and Financial Planners use our patented Cypher system to offer mortgages to their clients in about an hour per loan.
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.
Protect clients from expensive retail-lender mistakes
When clients walk into a big retail bank or respond to a national call-center ad, slick salespeople frequently push them into paying $15,000+ in closing costs and discount points to buy down a rate. Over the past 30+ years, lenders have known the math favors the house: borrowers rarely hold a loan long enough to reach the break-even point before rates drop again. As your client’s trusted advisor, you can put those numbers in perspective and guide them into a competitive market or no-points, no-fees structure instead.
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, upfront hands-on document review, loan processing, and day-to-day support, so you can concentrate on your client and your practice.
Use patented technology built for busy professionals
Our proprietary Cypher platform keeps the work organized, so serving a mortgage client takes about an hour of your time spread over two to four weeks instead of taking over your practice.
Backed by Experience & Patented Technology
- Established in 1990. Wymac Capital, Inc. has been arranging home loans in California for more than three decades.
- Proven partner track record. More than 600 independent financial professionals (including CPAs, Enrolled Agents, bookkeepers, financial planners, insurance agents, and estate planning attorneys) have used the Cypher system to close over 15,000 home loans for their clients.
- Six U.S. patents & 241 industry citations. Wymac uses Cypher and RateAnalyzer, proprietary technologies developed by Sourcetec, Inc. (co-founded in 1994 by Wymac broker Russell McDonald) and awarded six U.S. patents (
7,315,841,7,340,435,7,386,504,7,620,598,7,761,372, and8,527,402), which have been cited 241 times across the financial technology industry. Explore the Cypher & RateAnalyzer platform → - 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.
- 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 patented 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. Clients with existing mortgages originated elsewhere can also enroll their loans on our Track My Rate page.
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
Russell McDonald | NMLS 290837 | Broker CA DRE 01150730
Wymac Capital Inc | NMLS 18766 | Broker CA DRE 01121628
Real Estate Broker – CA Dept of Real Estate
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.