Replace Your Mortgage New Client Expectations Agreement

This agreement is for new Replace Your Mortgage clients so that they know what they can expect from us and our clients know what we expect from them. We strive to provide the best service in the world and value your business. Please read and click accept below. Once you hit send, you will be taken to the membership site to register for the classes.

  • By signing below, you affirm you have read through this document in its entirety, understand our refund policy which covers the education, the strategy, and sufficient due diligence of the client to acquire a HELOC. If you apply what we teach and your balance does not go down quicker with a HELOC than a mortgage, we will give you all of your money back.
  • You understand that we do not guarantee that you will get approved for a HELOC because we are not a lending institution, nor can we prevent someone from quitting their job, opening up debt, or doing something to hinder approval with a lender.
  • Replace Your Mortgage will help our clients acquire a HELOC by providing specific education designed to teach the client how to solicit banks for a Heloc. Replace your mortgage can provide other tools such as recommended banks that provide a HELOC sufficient for executing the strategy, along with support and guidance suited to the specific clients situation in order to help with soliciting banks for a Heloc.
  • When a client has done there due diligence in trying to acquire a Heloc, and is unable to acquire a Heloc to execute the Strategy, Replace Your Mortgage will refund the money equal to the amount paid for our service if the following conditions are met. The client must provide evidence that they were officially denied by a lending institution for a first lien Heloc. The client must allow Replace Your Mortgage to review the clients situation in order to determine if an alternate solution is available including, the possibility of one additional application at another lending institution recommended by Replace Your Mortgage that is deemed a better fit for said client to qualify.
  • Certain Individuals of Replace Your Mortgage are affiliated with University Lending Group however, Replace Your Mortgage as a company is not directly affiliated with University Lending Group. Replace Your Mortgage as an entity does not have a direct affiliation with University Lending Group nor derive compensation from University Lending Group.


  • Replace Your Mortgage clients are the most important people in our business, whether they are visiting in person, by mail, or by phone. They deserve a timely response to all inquires or contacts. We guarantee to give timely support and assistance throughout the entire process.
  • Our clients understand that they are investing in their education and that Replace Your Mortgage is not originating their loan. We guarantee to provide our clients with access to our online dashboard which includes our education, bank list, facebook group, and support staff.
  • Replace Your Mortgage team members will hold in the strictest confidence, and consider as privileged, all business and personal information pertaining to our clients affairs. We guarantee to protect and insure all client information.
  • To provide our clients with an optimal level of service, the Replace Your Mortgage team expects them to be continuously forthcoming with all relevant information. We guarantee that if a client provides accurate information we will use that information to provide the best support and guidance possible.
  • If you are displeased with any element of our service, Replace Your Mortgage expects the courtesy of timely notification so that we may address the issue immediately. We guarantee that we will exhaust all options when helping our clients to not only secure the product but also use it appropriately.


Platinum Terms Agreement
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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