Want to learn about out Platinum Membership education?

Our Guarantee

The Gold Course ($97) is a "Do-it-Yourself" course. However, most of our clients prefer we do the heavy lifting and guide you further. Our Platinum Membership does just that! The Gold Course shows you how to Replace the Mortgage Company, now let us show you how to Replace Your Banker!

If we don't deliver... you pay nothing!
At this point, you should already know that a HELOC for the right folks makes a heck of a lot more sense than a traditional mortgage. However, getting the proper HELOC structured the right way is another hurdle. We didn't just want to convince you that a HELOC is better, we want to see you succeed in many areas of your life. 

That's why we created the Platinum Membership Education. In this education, we go much deeper into advanced strategies that can massively change your financial landscape. 

Many folks think we are just a HELOC/Debt Solution system. However, there is far more to our education than you realize. Below, you will see all the additional content available we have created to map out many facets of your financial trajectory. 

Introducing The
Replace Your Mortgage platinum Course

The Replace Your Mortgage Platinum course is an online course that enables you to feel confident that you are getting the correct HELOC that we teach, but also shows you how to actually use the HELOC to pay off your home in five to seven years (or at least a third of the time than a mortgage.)

You can take the online course right from the comfort of your home, anytime, and as many times as you like. You will work directly with Michael Lush as he guides you through the process.

You will get a list of banks and credit unions that offer the HELOC based on your state. You want to know which banks offer 80, and even 90% financing? We have that list which took hundreds of hours of research. You want to know which bank or credit union to apply to for investment properties? No problem. We have several.

While saving tens of thousands of dollars alone is worth it, we go deeper by teaching you how to use the HELOC to build wealth. It's true. You will not only be saving money but learning how to make it as well. The class covers six topics over the course of three individual classes.

The course is designed so you can apply for a HELOC within the first week of taking the course. There is enough information to get you what you need without boring you with nerdy loan details.

We want you to take action and replace your mortgage as fast as possible so you can start saving right away. But there is something else that is unique about us.

We guarantee your success.

That’s why we make it impossible to take the course until you book a discovery call and we crunch your actual numbers. If the numbers don't work for your situation, we don't move forward. You can't lose.

Do you Need To Take A Course?
Take This Test And Find Out.

If you know the answers to the following questions, we DO NOT recommend taking our course.

Which type of HELOC works best to pay off the balance faster?
How long is the draw period and what is the best way to never have to worry about reaching the draw period?
Which banks and credit unions allow for investment properties?
Is your HELOC based on Libor, T-Bill or Prime? Which is better?
What method will you use to maximize how long your money stays in your HELOC, driving the balance down so you pay the least amount of interest?
You could hunt for the right loan and bank for yourself like Michael did when he started this journey with his family. Just be prepared to end up on page 17 of Google when searching for banks and their guidelines.

Got questions during your search? Hopefully you will find a loan officer that is educated enough about this method who can answer them for you.

With enough Googling, you could eventually find out how to use the cash flow strategy that we teach. You see, getting a HELOC is only a tool. It is knowing how to use it that makes it so powerful.

But why not just save time and learn it right now so you can stop paying so much interest to the banks?

What You’ll Learn:

advanced heloc training

  • Promo Rate Stacking
  • Billing Statement Examples
  • Inflation
  • DTI and Stress Tests
  • Understanding Disclosures
  • Solutions to Getting Denied
  • Helocs in a Recession
  • Draw Periods
  • HELOC Limitations
  • Prepayment Penalties
  • Property Classifications
  • Variable Payment
  • HELOC Freezes

Additional tools

  • Business Lines of Credit
  • Commercial Loans
  • Consumer Debt Solutions
  • 100% Income Utilization
  • Business Cash flow Strategy
  • Closing Costs
  • First lien vs Second lien
  • APR vs Interest rate
  • Become Your Own Banker: IBC Strategy
  • Get a Customized Bank List

Real Estate Investing

  • Getting Paid to Vacation
  • Seller Financing Solutions
  • Commercial Investing 101
  • How to Invest Without Using Your Money
  • HELOC Interest & Taxes
  • Appraisal vs AVM
  • Cash Flow vs Payment Strategy
  • Leveraging Your HELOC to Build a REI Empire

Bank Questionnaire

  • 29 Questions to Get the Right Answers
  • Getting the Proper HELOC
  • Proper Document Checklist
  • Primary, Rentals & Vacation Homes
  • Credit Score Requirements
  • Foreclosures, Short Sales & Bankruptcies
  • Debt Ratio Limits

Gain Efficiencies

  • Embedded Sweep Account vs Traditional HELOCs
  • HELOC your Checking Account
  • 10 Ways to Increase Cash Flow Part 1
  • 10 Ways to Increase Cash Flow Part 2
  • Credit Card Offset Account
  • Tax Refund = BAD!

Credit Training

  • Credit Utilizations
  • Rapid Rescores
  • Deleted Inquiries
  • 3 Month Free Credit Repair!
  • Understanding Different FICO Versions
  • Credit Monitoring

BONUSES INCLUDED:

THE CREDIT SCORE INTERVIEW
($97 VALUE)

David Dishman is one of the top credit score repair experts in the world.

We interviewed him for an hour on how to raise credit scores. The stuff that most homeowners don't know anything about.

Even if you have a 700+ credit score, raising it up even a few points can make a big difference to how much interest that you pay.

OUR BANK QUESTIONNAIRE and BANK LIST
($497 VALUE)

Try walking into a bank and tell them you would like to replace your mortgage with a HELOC. They will give you a funny stare. They did Michael.

With our exclusive bank questionnaire and customized bank list, you can walk in the bank with confidence knowing that you are asking the right questions and that you are getting your HELOC setup properly.

ADVANCED COURSE
($3,997 VALUE)

Paying off your home in 5-7 years is just the starting point.

When you join our community of movers and shakers, you will get access to some advanced training's from other experts who happen to be friends of ours (Yeah, we called in some favors).

For example, many of our clients are active real estate investors and some are just getting started. We have an hour long training with Nate Lambert and Edmund Fontana who makes over $100,000 a month actually doing real estate investing.

One of my favorite topics...Infinite Banking Concepts! Learn from long-time practitioner, Jim Kindred, on the benefits and strategies of utilizing your own bank to create a legacy of wealth and how to protect it. 

That is only a taste of what you get. We are adding value on a monthly basis.

Did I mention, we will provide you with a Bank List customized with our many bank connections? Instead of making 100's of calls trying to determine which bank is the right fit for your situation, we will provide our valued contacts that know what you want and how you want it structured. This will save you dozens of hours on the phone!

Also, only our most educated Platinum Members have access to our Affiliate Program. Share this program with friends and family and get rewarded $1,000 for every client you refer that signs up for Replace Your Mortgage.

5 VERY IMPORTANT REASONS WHY YOU SHOULDN'T DELAY

YOU WILL SAVE TENS OF THOUSANDS OF DOLLARS IN INTEREST PAYMENTS ALONE
If you are reading this page, you more than likely have spoken with us and we have ran your numbers. You have seen the math that shows how quickly you will pay off your home with a mortgage vs. a HELOC. It adds up to $75,000-200,000 in savings for most clients.
YOU HAVE ZERO RISK, IN FACT, IT'S BETTER THAN RISK FREE
The RYM Platnium Option is guaranteed for six months. If you don't see a drastic difference in your mortgage during this time, you don't owe us a penny. If fact, we will even pay you an extra 10% ($200) for wasting your time.
YOU CAN USE THE INFORMATION FOR AS MANY HOMES AS YOU LIKE
Once you have the knowledge we teach in the class, you can use it on as many homes as you decide to purchase for the rest of your life. How is that for a return on your investment?
YOU ARE MAKING A BIG DECISION
You don't want to get the wrong loan. Think about that for just a minute. You are about to buy a home or refinance that more than likely costs a couple hundred thousand dollars. Wouldn't spending just a 1-2% of that to get expert advice make sense? After the loan has closed, it's too late for help.
PERSONAL SUPPORT FROM MICHAEL
One of the biggest problems people face who choose to go at this alone is they don't know if what they are doing is right or wrong. The RYM Platnium Option comes with personal access to Michael throughout the entire process of paying off your home.

YOU’LL ALSO GET OUR 100% RISK - FREE, IMPOSSIBLE - TO - LOSE - MONEY, 6 - MONTH MONEY BACK GUARANTEE

LEARN HOW TO PAY OFF YOUR HOME IN 5-7 YEARS

© 2018-2021 REPLACE YOUR MORTGAGE. ALL RIGHTS RESERVED
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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Register for Lifetime Access

Personal Information

Card Details

USD 97.00