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

We had a 30 year death pledge (also known as a mortgage) of around $220,000 with a 4.75% interest rate.

After 4 years of making the normal monthly payments, plus a few extra payments from tax returns, we were at a balance of $205,000. This is the time we started RYM.

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

Our balance is currently at $156,000. This is after 9 months of being on the RYM program.

What was your biggest concern when deciding to join RYM?

We didn’t know anyone who had personally used the RYM strategy, so we were skeptical.

We searched for reviews online and, even though we didn’t see positive reviews (other than from the RYM website), we didn’t see any negative reviews, so we assumed it was legitimate.

How has using the RYM strategy changed your life?

I wouldn’t say it’s been life changing yet, but I hope that once my house is paid off well ahead of schedule that it will open up many avenues to financial freedom.

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

Make the “discovery” call and see if you’re a good candidate. You’ve got nothing to lose.