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

We refinanced our home in 2014 to a 15-year mortgage with a starting balance of $353,554.

When we joined RYM, we had a remaining balance of $276,000, but we were making double payments and, because of that, we developed a large amount of bills. So, in order to pay all of our bills and our mortgage, we needed a HELOC for $341,000.

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

After 9 months, we are still debt-free and have reduced our principal by $63,000. Our current balance is $278,000.

What was your biggest concern when deciding to join RYM?

I thought it was a scam until I really began to research and listen to all of the Youtube videos. It began to make sense and, after running the numbers, I felt like it was worth a chance.

How has using the RYM strategy changed your life?

RYM completely changed our life. Our debt was driving our life.

We are now looking for ways to use the equity we've built in our home to find passive income.

I went from being worried each month to being excited each month. Absolutely life changing.

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

That it really works, and to do their own research. Honestly, that's what it takes for most people.

I tell everybody about what I'm doing, but I always refer them to the videos online. They explain the process, and then they can run their numbers in your calculator. It's not magic, it's math.