"According to Forbes, a massive amount of homeowners are taking advantage of this "bank pay-off" secret because of this rising interest rate environment."

Homeowners are tired of not seeing their balance go down on their 30 year mortgages. The cost of living is going up. Families are strained because the breadwinner is having to work more just to make ends meet.

With all those pressing problems, it's no wonder homeowners are now turning to using a HELOC to pay a staggeringly less amount of mortgage interest than they would with their 30 year mortgage. However, despite homeowners refinancing in groves, there are some homeowners who are unaware of this "bank pay-off' secret says HELOC expert Michael Lush.

Pay Your Home Off Faster? Build Wealth Quicker? What's The Catch?

"I get asked that a lot about HELOC's as well as sounding too good to be true. You pay less interest because the interest is charged on the average monthly balance and the money can move in and out of the account freely. People think there has to be a catch, right? There isn't a catch. It's math, not magic" says Michael Lush.

In fact, successful businesses use similar lines of credit to run their business and pay less interest. Also, during the great recession, a study was done that showed homeowners who had a HELOC instead of a mortgage were 115 times less likely to go into foreclosure. Bottom line, using a HELOC is a much more effective way to pay off a home faster and allow homeowners to build wealth for those with 10% equity and a positive monthly cash flow.

There are some misconceptions out in the marketplace simply because banks make less money on HELOC's than with mortgages and do not educate the borrowers like they should. For example, many mistakingly believe that a fixed rate mortgage is better than a variable rate heloc. However, rates on these lines of credit are lower than fixed rates mortgages usually according to Forbes magazine. One key benefit to using a HELOC is the option of getting an interest only HELOC so there is more cash flow each month and anything extra will go right to principal. This money can flow in an out of the account when needed.

Unfortunately, many homeowners who could actually benefit from a HELOC, don't bother to gather the correct information due to rumors they have heard. It's sad because HELOC's are now allowing the middle class to pass off their biggest debt faster build wealth when they never thought they would.

Request A Free Book

If you're a homeowner with 10% equity or more in your home along with a positive monthly cash flow, you owe it to yourself to learn more. Join the countless others who are benefiting financially but never thought they would. You may be pleasantly surprised by what you discover.

Elliot Hallum, a Williamson county realtor, used to be the guy slaving away to pay off his mortgage (like most people) with dreams to own some investment properties; now he has access to cash for those promising real estate deals.

No, he didn’t win the lottery or increase his income, he simply learned how to better use his current assets to FIGHT INTEREST and pay off his principle more quickly.

Let’s take a look at what changed for Elliot:

The Big “Death Pledge” Problem:

Elliot Hallum used to be an average guy with a standard 30-year mortgage, working himself to the bone to pay it off.

Unfortunately, this debt that hundreds of millions of Americans have to incur was keeping Elliot from pursuing his true passion:

“When I don't have a mortgage to pay, I don't have to work for money. I can work because I like doing what I'm doing which is helping people find, buy, and sell real estate investment properties that create passive income”


Elliot always had a knack for finding killer real estate deals...trouble was, he never had the liquidity to capitalize on them HIMSELF. He always had to pass the opportunity along to “the guys with the big bucks.”

This really bothered Elliot. He studied the numbers and knew his income wasn’t the was his MORTGAGE:

“I understood the amount of money I was spending on interest would DOUBLE what I was paying for my home with a standard 30 year mortgage.”


The reason banks say these are “the norm” is because they make a TON of money from mortgages...that’s why they push them so hard.

Luckily, Elliot decided to investigate other options...and that’s when he learned about Home Equity Lines Of Credit (HELOCs for short)

The Solution:

A HELOC is a less-well known type of financial product that allows you to utilize the full amount of your assets to FIGHT INTEREST and pay off larger chunks of your home’s principle QUICKLY.
It’s what the wealthy have been using for YEARS and the tool Elliot used to shorten his payoff period from 27 years.

So why haven’t you heard of them?

Because banks don’t make money from them. Banks are in the business of making money so they sell the most profitable product...which results in you paying nearly twice the value of your home.

They neglect to mention the products that are best for YOU, and that’s why we created Replace Your Mortgage.

In fact, here is a video of Elliot talking about the transition and his succes story.

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Who We Are:

Hi there, I’m Michael Lush and I’m a recovering mortgage broker who spent 15 years pushing standard mortgages.

I say “recovering” because three years ago I stumbled across HELOCs and, after going through the process myself, started teaching others like Elliot how to use HELOCs to pay off their homes in 5-7 years.

Since then, my partner David and I have helped over 525 people navigate the HELOC process and accelerate their payoff period.

How We Can Help:

Most people are skeptical when first hearing about us because "it's not what everyone else is doing."

Elliot was the same way and that’s why we told him to start small: We told him to get a copy of our FREE ebook to learn more about how the process works.

Once he saw that what we talk about is MATH, NOT MAGIC, he decided to make the leap.

Now he can use all of the money that would have gone towards interest payments on a standard mortgage to doing the things he really investing in HIS OWN REAL ESTATE DEALS:

“Right now, I'm maintaining a sizable amount of liquidity in the HELOC so that when a great opportunity arises I can pay cash and close quickly.

I'm not limited to properties that can get financing. That gives me an advantage over other investors.”

So if you're serious about finding a way to acquire more real estate investment deals (and not lining a bank's pockets by paying interest on your mortgage), subscribe  below to get your free copy of our ebook.

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Greg's Journey Started By Downloading Our Free Ebook Which You Can Get Below
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Having a traditional mortgage vs a home equity line of credit can be causing you to pour thousands of dollars down the drain. Find out the differences on this video so you don't miss out.


Hey folks. Michael Lush. I wanted to talk to you today about the baseline differences between a mortgage and a home equity line of credit. Again, a mortgage tends to be a compounding interest loan where a home equity line of credit's really no different than a credit card. It's simple interest meaning you're paying interest on that day's balance.

If the next day's balance is lower, you're going to pay less interest and a lower payment. Let's take 2 examples here. Let's take a traditional mortgage, 4.25 on a 30 year loan at $300,000.

The payment is going to be $1,475. Let's take that same debt and let's transfer it and think of it as a home equity line of credit. Now in a home equity line of credit you have $300,000 so the same as that mortgage right?

Here's what we're going to do. Instead of using my strategy, just to show you an apples to apples comparison, we're actually going to make the same payment of $1,475 because again that's what your payment would have been on the mortgage of $300,000 anyway at 4.25%.

We take our $300,000, pay $1,475, and guess what? You actually pay it off in 24 1/2 years. The reason why I'm telling you this is right off the bat you can see that a home equity line of credit is far superior than a mortgage.

Using the home equity line of credit, like your checking account, you're going to accelerate it even further. On average, 5 to 7 years. Again, that's not changing anything about your budget. If you're accustomed to taking all of the money that you earn and depositing it into a checking account, and at the end of each month you're paying your bills out of your checking account, that's all we're asking you to do with a home equity line of credit.

Instead, don't use the checking account, use your home equity line of credit. It doesn't force you to pay more or less or change anything about your budget. You're keeping your budget the same. You're just changing where you're cash goes.

If you like this video, be sure to like below, subscribe to our channel. Again, thank you and God bless. Thanks for watching the video.

Home Equity Loan VS Mortgage. There is a big difference and you should know about each of them.


Hey gang, Michael Lush again. Wanted to talk today about the differences between a mortgage and a Home Equity Loan. See, a mortgage is a compounding interest, closed-end loan. Meaning, money can only go in, it cannot come out.

It's usually in first lien position, so when you buy a house, you get a mortgage. That's what 99.3 percent of all Americans do. Now that's a mortgage. Let's talk about a Home Equity Loan. A Home Equity Loan is typically a second lien position. Basically, a second mortgage behind your first mortgage. Really, it's just more debt, with the same problem of having the wrong product to use to pay off your home.

Instead, I actually recommend using a Home Equity Line of Credit. In fact, in Australia, 80 plus percent of citizens use a Home Equity Line of Credit instead of a mortgage. They call it a "Offset Account". They also happen to be the highest population of second home ownership, probably because they can pay for two homes in half the time that it takes Americans to pay for one.

Again, we recommend using a Home Equity Line of Credit, treating like your savings and checking account, and you'll accelerate the payoff of your home much faster, and actually, much easier, than paying off a mortgage.

Now, if you like this video, please "like" below, and also check out our other videos, and subscribe to our channel. Thank you and God Bless. Thanks for watching the video.

Disclaimer: Replace Your Mortgage does not offer mortgages, Helocs, or loans of any kind. Replace Your Mortgage is not a bank, and does not provide credit offers. Replace Your Mortgage is strictly for educational and informational purposes only.
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