Michael Lush

How This New York Man Reduced His Mortgage Pay-off Date From 27 Years To 58 Months

Congrats to Greg Michne and his wife Stacey who cut $25k off his mortgage in just 9 short months while still finding time to make maple syrup as a hobby.

Yeah, the dude makes his own maple syrup!

No, he didn’t win the lottery or increase his income, he simply learned how to better use his current assets to FIGHT INTEREST and pay off his principle more quickly.

But before I jump in on HOW Greg did this, let’s take a look at Greg’s background so you can see he isn’t some superhero or statistical anomaly.

Like many, Greg and his wife Stacey had a lot of student loan debt so the burden of more debt for a mortgage was a double whammy.

To make matters worse, the unending tunnel of payments made it all the more obvious that Greg would struggle to fulfill his dreams of investing in real estate.

His dreams weren’t to buy Ferraris or jetset around the world, he simply wanted to construct his own destiny and not owe anyone else money.

“My wife and I as a family we just want to be free and have a healthy financial future.”

But it wasn’t Greg and Stacey’s lifestyle that was preventing them from being financially free, it was their mortgage.

See, the standard mortgage most Americans utilize when buying a house are front-loaded with LOTS of interest.

The average mortgage has the majority of your payment going to interest until about year 18:

heloc mortgage interest

Banks push this product because “it’s what everyone does”…AND because it makes them a TON of money.

Greg was just another American who had signed his “death pledge” (the literal translation for the word ‘mortgage’) and would be paying off his home for the next 30 or so years.

But that’s when he learned about a Home Equity Line of Credit (HELOC for short).

A HELOC is a less-well known type of financial product that allows you to utilize the full amount of your assets to FIGHT INTEREST and pay off larger chunks of your home’s principle QUICKLY.

So rather than eating away at the principle little by little, you can make a major dent in your debt rapidly without having to make an additional cent of income.

HELOCs take the power of compounding out of the hands of the banks (who earn compound interest on your mortgage) and put it into YOUR hands in order to shorten your payoff period.

Greg and Stacey shortened their payoff period from 27 years to 58 months (just shy of 5 years)…and saved $285/month because they didn’t have to pay PMI.

Now they can use all of the money that would have gone towards interest payments on a standard mortgage to doing the things they really want…like investing in more real estate.

“Honestly long before it’s paid off I’ll be buying more rental property and increasing cash flow.
I’ve always wanted to have a lot of land and with this I can actually see that as a possibility rather than a pipe dream.”


The key to YOU getting the same type of results is learning about the math and understanding what it takes to be successful utilizing a HELOC…and that’s EXACTLY why we created Replace Your Mortgage.

We were tired of seeing people like Greg & Stacey fall victims to the “Interest Heavy” jaws of the standard mortgage, so we created a business that teaches them how to successfully utilize a HELOC to move their debt-free date up years (if not decades).

So if you’d like to spend your money on things you actually care about (instead of loan interest), click on the link below to start educating yourself.


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Greg's Journey Started By Downloading Our Free Ebook Which You Can Get Below
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Michael Lush

Disclaimer: Replace Your Mortgage does not offer mortgages, Helocs, or loans of any kind. Replace Your Mortgage is not a bank, and does not provide credit offers. Replace Your Mortgage is strictly for educational and informational purposes only.
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