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

We were 2 years into a 30-year mortgage through Quicken Loans. Our interest rate was 3.9% and we owed $375,000, with about $47,000 in credit card and automobile debts.

Our home value was $495,000

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

We’re only a few months in. We have paid down our balance by $8,000 so far and our first payment was due September 15, 2018.

We obviously didn’t fall for the “skip a month “ and got a head start on paying down that principal.

What was your biggest concern when deciding to join RYM?

We were worried about RYM being "too good to be true," but the math works.

I talked to my brother-in-law about it because I knew he would poke holes in anything he isn’t familiar with. He has been a follower of a debt/finances guru who has a national radio show that you probably know of.

I answered everything based on my limited knowledge from watching the videos twice each. That confirmed that we’re on to something good, although just unknown to most

How has using the RYM strategy changed your life?

RYM has given me hope that I can set up some retirement other than just selling my house and the property owned by my business.

I’ve trusted God to meet all my needs according to His riches, and I feel like RYM is a part of how He is doing just that.

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

Do all the math and be thorough with all the details of your finances.

Don’t fall for the “skip a month of payments." Any bank or credit union is going to charge every cent of interest they can. Jump on putting all your money into the HELOC ASAP.