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

We moved to Waxhaw, North Carolina from Portland, Oregon and purchased a home for $170,000.

After chasing rates and refinancing a couple of times, as well as taking out a line of credit for remodels and improvements, we sold that same house for $230,000 and netted a whopping profit of $28,000 after paying mortgages for almost 20 years. Talk about a bad investment.

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

We are currently in our 15th month with the HELOC. We started with a balance of $295,000, and our current balance is $179,000.

The plan is working to perfection and faster than the original calculations.

What was your biggest concern when deciding to join RYM?

Our biggest concern was, if the plan was so good, why isn't everyone doing it?

After being taken to the cleaners by the banks from our last house, I did a lot of investigating and i found that the current banking structure in the US is nothing more than vultures preying on the uneducated.

RYM is providing the education that can show people the way to take advantage of the opportunities that are present. You don't have to be a genius to follow the plan, just disciplined and determined.

How has using the RYM strategy changed your life?

We are actively planning on our retirement that should happen within the next 10 years. With this plan, we are embracing the future and the possibilities. Before we honestly didn't know how we were going to do it.

We are looking at investment opportunities and vacation homes that are viable options, not dreams.

The biggest benefit for us is that our children will have the knowledge to better their financial future.

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

If you are living within your means and are disciplined to follow the teachings, you will be amazed by the results.

It is not a get-rich-quick scheme, and you will have to put in the work to make the plan possible, but make no mistake the plan works if you work the plan.

My only regret is that i did not have the RYM education 30 years ago. God Bless the RYM group for showing us how to become financially responsible and for the opportunities it allows.