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

We didn't have a mortgage prior to starting with Replace your Mortgage. We utilized the strategy as new homeowners.

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

After 14 months, we have reduced our principal balance to $206,000 from $380,000.

What was your biggest concern when deciding to join RYM?

We were worried RYM wasn't going to be effective but, after implementing the strategy, we were very surprised to see how much we've paid off our house in just about a year.

How has using the RYM strategy changed your life?

It is saving us money on our mortgage every month and will allow us to be debt-free way sooner than we pictured as young, new homeowners with one income. (My wife is currently in full-time graduate school for anesthesia.)

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

Trust the process and ensure that you are keeping all of your money in the HELOC as long as possible when considering withdrawals, etc.