What was your mortgage situation prior to starting with Replace Your Mortgage?

We started with $218,000 owed.

What is the current status of your HELOC and how many months did it take you to achieve it?

After one month we reduced our HELOC balance from $218,000 to $211,000.

What was your biggest concern when deciding to join RYM?

Our biggest fear was the variable interest rate. After watching the videos and reading example posts from the Facebook community our consultant sent us, we were able to commit.

How has using the RYM strategy changed your life?

RYM provided us with:

1. Debt consolidation. Our 5 different installment loans totalling $30,000 at an average of 5% APR have been consolidated to a 1.99% APR and will be paid off in 10 months. Without the HELOC strategy, it would have taken us years to do it.
2. Peace with my wife. Taking the courses with my wife allowed us to finally get on the same page financially. We no longer have arguments about how to pay off our bills or when to do it.
3. Financial flexibility. I have two jobs that are both all commission. This strategy freed me from the stress of living the emotional roller coaster month to month.
4. Overall, RYM gives me financial freedom to pay debt off fast and manage my money in a way that benefits ME, not the banks. Also, managing our finances has become easy and hassle-free.

   What advice would you give to a homeowner considering trying the RYM strategy?

   If you are a good candidate for the program, then try it! You can always get a mortgage if you don't like it.