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, with a remaining principal balance of $104,000 after paying it down for four years.

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

After 7 months, our balance has increased to $106,700. The important thing here is we lost one of our incomes for a couple of months and have had a few surprise large bills come in (vehicle accident and small surgery).

The RYM strategy allowed us to keep living life and not get way behind on bills due to being able to access the equity in our home like a bank account. So, we are no worse off financially now than we were before my wife lost her job.

What was your biggest concern when deciding to join RYM?

My biggest concern was that RYM would be harder to implement than advertised. It is actually much easier.

Bryan Zimmerman walked us through the whole process and was very instrumental in helping us through.

How has using the RYM strategy changed your life?

It has shown us that there is a different and better way of paying for a house.

We are soon to be in a position that we will be able to purchase a second house. I never thought that would be possible until utilizing this strategy.

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

Just do it.