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

We had a 30-year mortgage with a starting balance of $115,000.

When we joined RYM, we had a remaining principal balance of $103,000 after paying monthly payments for seven years.

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

We had a starting balance of $110,000.

My wife needed a another car, which was $14,000. And she enrolled in school for an additional certification, which was $12,000.

So, in 12 months we paid off $26,000 of debt, and we are back at the original starting point of $110,000.

This would have never happened without RYM.

What was your biggest concern when deciding to join RYM?

Our biggest concern was having access to our money.

The RYM consultant explained how he was using the strategy and the ins and outs of the daily process, which helped us to see the strategy clearly.

How has using the RYM strategy changed your life?

The strategy has given us hope that we won’t be paying on a mortgage for the rest our my lives -- and has opened up the possibility of wealth building through real estate investing, now that we have access to capital that we never had before.

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

Do it. Find you a bank or credit union you feel comfortable with and do it.

Don’t worry about a line of credit having every single feature. Any first-lien position line of credit beats a mortgage.