For Financial Planners: Bring Home Financing Into the Plan
A mortgage affects cash flow, net worth, retirement timing, and investment strategy. Yet it is often arranged outside the planning relationship, by someone who has never seen the plan.
The Cypher Partner program lets you become a licensed mortgage loan originator and guide clients through home financing as part of the advice you already give, with Wymac Capital supporting the work behind the scenes.
More Complete Planning, a Stronger Relationship
Financing that matches the plan. Help clients pick loan structures that fit their goals, liquidity needs, and timeline.
One trusted advisor. Clients don’t need to bring a stranger into their finances at a major life moment.
Long-term engagement. With RateAnalyzer watching each loan after closing, you have a natural reason to contact clients when a no-points, no-fees refinance could lower their rate.
Added revenue for real work. Cypher Partners earn a fixed, disclosed commission for the origination work they perform.
How Wymac Supports You
- Guidance through MLO licensing
- Training on mortgage fundamentals and the Cypher platform
- Lender relationships, pricing access, and loan processing
- Support through closing and afterward
Consider Your Own Regulatory Obligations
Depending on your registrations and designations (for example, as an investment adviser representative, a broker-dealer registered representative, or a CFP® professional), you may have extra requirements about outside business activities, conflicts of interest, and disclosure. Your firm may also need to approve the activity. Please check with your compliance department, your broker-dealer or RIA, and any certifying body before you join.
Fixed, Disclosed Compensation
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.
See How the Cypher Partner Program Could Fit Your Practice
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.