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did you know a Lender giving you 4% rate is really charging you 72% interest?

OUR GUARANTEE

We guarantee to show you how to save thousands of dollars and pay off your home in one third of the time.
IF WE DON'T DELIVER... YOU PAY NOTHING!

THE FIRST FIVE YEARS OF A TRADITIONAL MORTGAGE ARE BRUTAL...

In fact, the first 18.5 years of a traditional mortgage doesn't really inspire much hope because most of the payments you make go towards interest.

Making mortgage payments and not seeing the balance go down is frustrating. (Thanks, Captain Obvious.)

What's even more frustrating is if you don't have tons of extra money to put towards the mortgage, it isn't in any hurry to go away either.

THE SYSTEM IS RIGGED AGAINST YOU BECAUSE BANKS KNOW THAT THE AVERAGE FAMILY CHANGES HOMES EVERY 5-7 YEARS AND THEY START THE 30 YEAR FIXED RATE CYCLE ALL OVER AGAIN.

WHAT'S CRAZY, IS THE BANKS THINK WE ARE THE ONES SCAMMING..

But really? WE ARE THE GOOD GUYS.

LOOK, PAYING A HOME OFF IN 5-7 YEARS SOUNDS CRAZY RIGHT? WE KNOW. IT'S MATH THOUGH. NOT MAGIC. WE DIDN'T INVENT MATH.

The thing is, over in Australia and Great Britain, this is the NORM. Homeowners with mortgages are the minority.

The biggest reason this isn't as popular over in the United States is because think about how many trillions of dollars banks would lose in interest if they started promoting a HELOC over a mortgage. They ALL have HELOCs, they just don't promote them.

Want to know what the banks are doing? They want you to put a little money in your checking, a little money in your savings and maybe some in a money market. It's called segregation of income.

Plus, they only offer you closed end mortgages so this way you don't put all of your money into your mortgage each month because you can't get it back out.

Ask yourself, Did they even offer you the chance to get a HELOC instead of a mortgage on your last home - although it’s financially better for you?

INTRODUCING THE
REPLACE YOUR MORTGAGE COURSE

THE REPLACE YOUR MORTGAGE COURSE IS AN ONLINE COURSE THAT ENABLES YOU TO FEEL CONFIDENT THAT YOU ARE GETTING THE CORRECT HELOC THAT WE TEACH, BUT ALSO SHOWS YOU HOW TO ACTUALLY USE THE HELOC TO PAY OFF YOUR HOME IN FIVE TO SEVEN YEARS (OR AT LEAST A THIRD OF THE TIME THAN A MORTGAGE.)

You can take the online course right from the comfort of your home, anytime, and as many times as you like. You will work directly with Michael Lush as he guides you through the process.

You will get a list of banks and credit unions that offer the HELOC based on your state. You want to know which banks offer 80, 90 and even 100% financing? We have that list which took hundreds of hours of research. You want to know which bank or credit union to apply to for investment properties? No problem. We have several.

While saving tens of thousands of dollars alone is worth it, we go deeper by teaching you how to use the HELOC to build wealth. It's true. You will not only be saving money but learning how to make it as well. The class covers six topics over the course of three individual classes.

THE COURSE IS DESIGNED SO YOU CAN APPLY FOR A HELOC WITHIN THE FIRST WEEK OF TAKING THE COURSE. THERE IS ENOUGH INFORMATION TO GET YOU WHAT YOU NEED WITHOUT BORING YOU WITH NERDY LOAN DETAILS.

We want you to take action and replace your mortgage as fast as possible so you can start saving right away. But there is something else that is unique about us.

WE GUARANTEE YOUR SUCCESS. THAT’S WHY WE MAKE IT IMPOSSIBLE TO TAKE THE COURSE UNTIL YOU BOOK A DISCOVERY CALL AND WE CRUNCH YOUR ACTUAL NUMBERS. IF THE NUMBERS DON'T WORK FOR YOUR SITUATION, WE DON'T MOVE FORWARD. YOU CAN'T LOSE.

BOOK YOUR DISCOVERY CALL

DO YOU NEED TO TAKE A COURSE?
TAKE THIS TEST AND FIND OUT.

You could hunt for the right loan and bank for yourself like Michael did when he started this journey with his family. Just be prepared to end up on page 17 of Google when searching for banks and their guidelines.

Got questions during your search? Hopefully you will find a loan officer that is educated enough about this method who can answer them for you.

With enough Googling, you could eventually find out how to use the cash flow strategy that we teach. You see, getting a HELOC is only a tool. It is knowing how to use it that makes it so powerful.

BUT WHY NOT JUST SAVE TIME AND LEARN IT RIGHT NOW
SO YOU CAN STOP PAYING SO MUCH INTEREST TO THE BANKS?

WHAT YOU’LL LEARN:

MODULE ONE:

HOW BANKS MAKE MONEY & HOW MORTGAGES WORK

  • A much better way to finance real estate.
  • How to avoid paying $2,525 in "junk fees" to the bank.
  • Why money left in your checking account is a liability.
  • The little known reason why banks want you to separate your money and what you should be doing instead.
  • The sad reason why only 29.3% of Americans own their home and how you can be one of them.
  • Why looking at total purchase price is much more important than your monthly payment.
  • How becoming an "interest rate chaser" is causing you to pay thousands more for your home than you should be paying.
  • How those no closing cost loans are costing you more than you even realize.
  • Where to look on your loan estimate to reveal that you are buying one home for the bank and one for yourself if you have a 15-30 year loan.
  • Why you shouldn’t escrow (most don't even know this)
  • How "total interest percentage" could be killing your disposable income.
  • The differences between a HELOC and a traditional mortgage.
  • The proven way reduce your monthly payment.
  • Why the flexibility of a HELOC is better for your family vs. a mortgage.
  • The differences between prime and LIBOR - Plus, which one is better when trying to get a HELOC.
  • The advantages/disadvantages to a fixed rate HELOC.
  • Why banks don't want you to know about this method although they all offer HELOCs.
  • How to pay your bills with a HELOC.
  • How to never have PMI again.
  • Two reasons why loan officers don't promote HELOCs (this will turn your stomach.)
  • Why you should pay close attention to your APR.
BOOK YOUR DISCOVERY CALL

MODULE TWO:

HOW TO GET THE RIGHT HELOC
TO PAY YOUR HOME OFF FASTER

  • The ONE home loan lenders mistakenly try to sell to homeowners who want to get a HELOC but don't know the right questions to ask the lender.
  • Key components you must know when applying for a HELOC.
  • How most HELOCs are applied and why it is wrong.
  • How to get a HELOC with little equity in your home.
  • Do these 2 things to make sure your HELOC won't get frozen.
  • What you need to say to make sure the lender doesn't give you two loans when you close on your HELOC.
  • Why a second lien HELOC will take you longer and cost you more.
  • 2 other types of loans that you can get to implement the cash flow strategy.
  • The 2 ways to make sure you never hit your draw period.
  • How your payment is calculated.
  • Interest only vs. minimum payment.
  • Answer to the the question, "What if rates skyrocket?".
  • How to get a .99 rate for the 6-12 months.
  • What you should know about deducting taxes with a HELOC.
  • How to pay your bills with a HELOC.
  • How to get your money to work for you while you are sleeping.
  • How your payment decreases.
  • The top reasons why we recommend a first lien HELOC.
  • How to buy down your rates up to 3 times for $95.
  • How much equity do you need to make this work.
  • A little known secret to getting the best HELOC terms.
BOOK YOUR DISCOVERY CALL

MODULE THREE:

HOW TO APPLY OUR CASH FLOW STRATEGY AND BUILD WEALTH

  • How to apply our cash flow strategy to pay down your mortgage balance another 3-4 years faster (typical client can pay their home off in 5-7 years using this strategy).
  • The best day to close onwhen refinancing to a HELOC to skip two months of payments.
  • The day to close on a purchase using a HELOC.
  • What to do if your HELOC account doesn't have a routing number.
  • HELOCs and overdraft protection - knowing what questions to ask for automation.
  • Why you shouldn't use your checking and savings when using our cash flow strategy.
  • 6 ways to increase your cash flow.
  • What kinds of deposits should go into your HELOC.
  • Details about escrow accounts you will want to know.
  • How a HELOC increases your cash flow.
  • Should you roll your other debt into your HELOC? Yes. You will know which ones in this lesson.
  • Why you shouldn't have a tax refund.
  • The downside of a HELOC.
  • The do's and don'ts of a HELOC.
  • Why having a paid for home in your "working years" is bad and what you should do instead.
  • Ways to add value to your home.
  • How to buy a vacation home.
BOOK YOUR DISCOVERY CALL

BONUSES INCLUDED:

THE CREDIT SCORE INTERVIEW
($97 VALUE)

David Dishman is one of the top credit score repair experts in the world.

We interviewed him for an hour on how to raise credit scores. The stuff that most homeowners don't know anything about.

Even if you have a 700+ credit score, raising it up even a few points can make a big difference to how much interest that you pay.

OUR BANK QUESTIONNAIRE
($97 VALUE)

Try walking into a bank and tell them you would like to replace your mortgage with a HELOC. They will give you a funny stare. They did Michael.

With our exclusive bank questionnaire, you can walk in the bank with confidence knowing that you are asking the right questions and that you are getting your HELOC setup properly.

ADVANCED COURSE
($497 VALUE)

Paying off your home in 5-7 years is just the starting point.

When you join our community of movers and shakers, you will get access to some advanced training's from other experts who happen to be friends of ours (Yeah, we called in some favors).

For example, many of our clients are active real estate investors and some are just getting started. We have an hour long training with Nate Lambert who makes over $100,000 a month actually doing real estate investing.

That is only a taste of what you get. We are adding value on a monthly basis.

ARE YOU READY TO PAY OFF YOUR HOME
IN 5-7 YEARS?

PLATINUM:
HAND HOLDING COURSE

  • UNLIMITED PERSONAL CONSULTING.
  • Module One: How Banks Make Money, How Mortgages Work and Fractional Reserve Lending.
  • Module Two: 100% Income Utilization, Cash Flow Strategy, Offset Accounting, 1st Lien vs 2nd Lien and Effective Rate vs Interest Rate.
  • Module Three: HELOAN vs HELOC, Preferred Index on a HELOC, HELOC Taxation, Variable vs Fixed Rates, and How to Avoid HELOC Freezes.
  • Module Four: How to Buy a Home with a HELOC, Equity Retirement, Real Estate Investing, and Credit Tips.
  • Module Five: Sweep Accounts, Increasing Cash Flow, and Tax Refund Strategy.
  • Module Six: Get Paid to Vacation, Fix and Flips, Equity Leveraging, and Insurance or Market Investing.
  • A list of banks and credit unions that offer the proper HELOC.
  • Access to hours of bonus trainings.
  • Our 100% risk-free “Impossible To Lose Money” 6-month refund policy.
APPLY FOR MEMBERSHIP

5 VERY IMPORTANT REASONS WHY YOU
SHOULDN'T DELAY

YOU WILL SAVE TENS OF
THOUSANDS OF DOLLARS IN
INTEREST PAYMENTS ALONE
If you are reading this page, you more than likely have spoken with us and we have ran your numbers. You have seen the math that shows how quickly you will pay off your home with a mortgage vs. a HELOC. It adds up to $75,000-200,000 in savings for most clients.
YOU HAVE ZERO RISK,
IN FACT, IT'S BETTER THAN RISK FREE
The RYM Platinum Option is guaranteed for six months. If you don't see a drastic difference in your mortgage during this time, you don't owe us a penny. 
YOU CAN USE THE INFORMATION
FOR AS MANY HOMES
AS YOU LIKE
Once you have the knowledge we teach in the class, you can use it on as many homes as you decide to purchase for the rest of your life. How is that for a return on your investment?
YOU ARE MAKING A
BIG DECISION
You don't want to get the wrong loan. Think about that for just a minute. You are about to buy a home or refinance that more than likely costs a couple hundred thousand dollars. Wouldn't spending just a 1-2% of that to get expert advice make sense? After the loan has closed, it's too late for help.
PERSONAL SUPPORT
FROM RYM
One of the biggest problems people face who choose to go at this alone is they don't know if what they are doing is right or wrong. The RYM Platnium Option comes with personal access to the RYM Team throughout the entire process of paying off your home.

YOU’LL ALSO GET OUR 100% RISK-FREE,
IMPOSSIBLE-TO-LOSE-MONEY,
6-MONTH MONEY BACK REFUND POLICY

ARE YOU READY TO PAY OFF YOUR HOME
IN 5-7 YEARS?

PLATINUM:
HAND HOLDING OPTION

  • UNLIMITED PERSONAL CONSULTING.
  • Module One: How Banks Make Money, How Mortgages Work and Fractional Reserve Lending.
  • Module Two: 100% Income Utilization, Cash Flow Strategy, Offset Accounting, 1st Lien vs 2nd Lien and Effective Rate vs Interest Rate.
  • Module Three: HELOAN vs HELOC, Preferred Index on a HELOC, HELOC Taxation, Variable vs Fixed Rates, and How to Avoid HELOC Freezes.
  • Module Four: How to Buy a Home with a HELOC, Equity Retirement, Real Estate Investing, and Credit Tips.
  • Module Five: Sweep Accounts, Increasing Cash Flow, and Tax Refund Strategy.
  • Module Six: Get Paid to Vacation, Fix and Flips, Equity Leveraging, and Insurance or Market Investing.
  • A list of banks and credit unions that offer the proper HELOC.
  • Access to hours of bonus trainings.
  • Our 100% risk-free “Impossible To Lose Money” 6-month refund policy.
APPLY FOR MEMBERSHIP
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© 2018-2024 REPLACE YOUR MORTGAGE. ALL RIGHTS RESERVED
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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