Replace Your Mortgage

Pay off your home in 5-7 years with your current income


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The problem with mortgages

Most Americans choose the standard 15 or 30 year mortgage to pay off their homes because it's the way things have always been done. The problem is, it takes the next 15-30 years to actually pay them off.

In fact, “mortgage” literally translates to "death pledge." It's a payment method built to keep you paying off the principle in small amounts as the interest accumulates for as long as possible.

But there's another way to pay off your home. It's called a Home Equity Line Of Credit (HELOC).

A HELOC is a different
type of Home Loan

A Home equity line of credit (HELOC) is a different type of home loan that allows you to use 100% of your income to pay off the principle of your home much quicker. On average, in 5-7 years.

It's what the wealthy have been using for years.

So why haven't you ever heard of them?

Because banks don't make as much money from them. Banks are in the business of making money, so if there is a more profitable product to sell, they will sell it.

And that's EXACTLY why we started
Replace Your Mortgage.

The HELOC SOLUTION: How it Works


Most people are skeptical when first hearing about us because, "it's not what everyone else is doing."

But, after learning more about the process, getting us to run their numbers for free, and seeing the HUGE economical benefits of utilizing a HELOC, many of our homeowners decide to make the leap.

It's math, not magic.

And when they do, they realize that they're freeing up their cash to go to the things in their lives that REALLY matter to them, like paying for their children’s college, retiring with enough money to live, and buying investment properties.

Here’s how a traditional 30 year mortgage stacks up against a HELOC.

Traditional 30 Year
$250K Mortgage

Closing Costs

Down Payment

Mortgage Insurance
$15,750 ($187.50/Month x 7 Years)

Total Interest Paid over 30 Years

Total Cost

Replace Your Mortgage
$250K HELOC Strategy

Closing Costs

Down Payment

Mortgage Insurance

Total Interest Paid on a HELOC

Total Cost
$292,820.61 (Save $200K!)

Hi, my name is Michael Lush.


I'm a recovering mortgage broker
who spent 15 years pushing
standard mortgages.

I say recovering because about three years ago I stumbled across HELOCs and after going through the process myself, I decided to start teaching others how to pay their homes off in 5-7 years.

David Dutton and I started Replace Your Mortgage to help people all across America learn how to utilize a HELOC to pay off their home.

Rather than telling you about all of the people we've helped, I'll just let you hear from them directly.

Success Stories

Replace Your Mortgage

Are you Ready to Pay off your home in 5-7 years?

Download our FREE ebook and video course to learn if getting a HELOC is right for you so you can spend more of your money on the things you care about (and not lining your bank’s pockets.)


We value your privacy and would never spam you