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Replace Your Mortgage | How to pay off your home on average of 5-7 years on your current income. It’s math not magic.


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This podcast is dedicated to helping homeowners pay off their home faster using a HELOC and to pay way less mortgage interest than with the traditional 15 and 30 year mortgages they are sold. Sound too good to be true? Maybe. All we ask is you listen in as your podcast host David Dutton talks with HELOC expert Michael Lush on the different aspects of how this strategy works and why the banks don’t want you to know about it. Each episode will share more details about using a HELOC as well as featured success stories from clients of Replace Your Mortgage. If you have a mortgage and you have looked at your principle not really lowering as fast as you would like, there is a reason for that. We cover how the debt cycle with mortgages keeps repeating itself and leaves the borrower paying double for their house and in debt until retirement age. If you want to pay off your biggest debt and be able to spend more time with your family, this podcast is for you.

Customer Reviews

Great Strategy!

My wife and I were lucky enough to catch onto this strategy only a year into our mortgage. As a result, we are going to save a ton of money in interest and build our wealth early!

I'm so excited!

My husband and I will be having a discovery call in 30 minutes with Edmund. I'm excited to pay off our mortgage early; my hubby was just saying that he didn't want to be housepoor,but here we are. My sister, Kim, sent me this ebook when we were getting ready to buy our current home, but I didn't read it until yesterday. Since then I have been avidly listening to all the podcasts and just finished the one with Edmund and his wife. :). Can't wait!

Good listen BUT need more numbers and examples

Hi thanks for your information. It’s making me think about it! But the “math” isn’t explained well. I think you should explain basics like “prime rate -1” what does this mean for a HELOC.

I appreciate most of it. Some feedback: The calls where you are using live people- I know you had to edit OUT their income and credit score. But it’s entirely unhelpful to me- I need those numbers to see how this makes sense.

Like other financial podcasts- I’m thinking - CAN I DO THIS? And SHOULD I?

I’d like to hear- eg “ Justin and Carla make 105k and their fixed expenses were x. Here we are comparing a first lien HELOC vs staying on their 30 year fixed rate for a loan amount of 283k” Step 1 - we looked at their x, y, z. If they did nothing differently we are approximately saving them x percentage. But we worked on their budget and increased cash flow positivity by 1000 a month — And other scenarios. “

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Replace Your Mortgage | How to pay off your home on average of 5-7 years on your current income. It’s math not magic.
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  • Category: Investing
  • Language: English

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