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

We had a 30-year mortgage with a starting balance of $200,000.

When we joined RYM, we had $165,000 in remaining monthly payments for another 21 years.

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

We have had our HELOC for almost 3 months and have brought our principal balance down from $165,000 to $111,000.

What was your biggest concern when deciding to join RYM?

We were concerned that it was "too good to be true," but after working with the numbers and talking with our RYM consultant, we were confident in joining RYM.

Looking back now, we wish we would have known about this strategy sooner and taken advantage of it when we first got married 20 years ago and bought our first house.

How has using the RYM strategy changed your life?

We feel more confident that this the best way to manage our money. It is helping us realize our biblical goals of being completely debt-free.

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

We would tell them the same thing as the RYM consultant told us... "It's math, not magic."

You must be disciplined with your money and work a budget. We would never tell anyone that is undisciplined with their money to use the RYM technique.