Replace Your University

Have you ever heard that playing the lotto is a waste of money? Nothing could be further from the truth. I'm rich and I still play the lotto... and here's why.

Before Michael Lush started Replace Your Mortgage and subsequently Replace Your University, he had to learn how to overcome a lot of obstacles in learning how to best utilize a first lien home equity line of credit. He and his staff of mortgage experts, through the Replace Your University and Replace Your Mortgage program, help you quickly and efficiently navigate through and over those obstacles,...

In this episode Michael Lush talks about how even Elon Musk, the richest man on earth, leverages debt to buy certain things. That's because he understands money and how to make it work for you. This same principal applies to Replace Your Mortgage and what we teach you about first lien home equity line of credit. You can learn more at www.replaceyouruniversity.com

Our guest today is Nate Bailey. Author, podcast host, leadership coach and more. Mindset is everything, the most important muscle in your body and we need to strengthen it just as you would work out your body. Nate teaches this and is the instructor on the Replace Your Mindset courses on the Replace Your University website (coming 12/2021). You can learn more about Nate, his life and accomplishmen...

It's a Replace Your Mortgage Podcast Takeover! In this episode Derrick Waltz takes over primary duties and welcomes Edmund Fontana to the studio to talk about real estate investing. Edmund tells some crazy stories about some of the homes he has purchased for investments and what he has found in those homes. Cats in the rafters and behind freezers? Edmund is leading the charge for Replace Your Empl...

Should I Stay or Should I Sell Now? That's a question a lot of you have right now because of the high values of homes. The answer is...well, you'll have to watch to find out what we think. We also do our best to offend as many people as possible in this fun episode. Check it out! For more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael...

It has been a bit, but we're back! After traveling a good part of the country in an RV, Lush talks about his travels and some of the things his family saw with Matt Workman. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyou...

We get a lot of comments on our videos. Mostly good, but a little bit of hate. But it may surprise you to know that some of that comes from mortgage brokers, simply because they don't understand what we do. Approximately 70% of the people we speak to are not ready for a 1st lien HELOC and we advise them to get a mortgage or refinance. That's the truth. Not everyone is a great fit for our strategy,...

Ever wonder if there would be a podcast that would talk about RV life, an Irish town, and an Ewok Village all in the same show? Well, you've found it. We don't always talk about mortgages and first lien HELOCS, and today was one of those days. Michael Lush discusses RV life and what he would like to build one day on a massive amount of land during his conversation with Matt Workman and Edmund Font...

Joining the Podcast crew today is Edmund Fontana who is part of the management team of Replace Your Mortgage. Edmund tells his story of first talking with Michael Lush and how 1 question changed his life's trajectory and motivated Edmund to Replace His Employer and get into real estate investing. You'll also hear about the exciting platform we are creating called Replace Your University, which wil...

Every time the Fed decides to raise rates, we get the same questions from many people. "How is this going to affect my HELOC?" We answer this question and talk about why you should stop worrying about what the Fed is doing with interest rates. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if the Replace Your Mortgage strategy is right for you. Yo...

Today we have special guest Michael T Baker on with us. Michael became a client of Replace Your Mortgage 2 years ago and he says it changed his life. Because of the strategies we teach on how to utilize a first lien HELOC, he was able to pay off more of his principle without losing access to the funds allowing him to start his own digital marketing business. Michael's company Perception Content Me...

If you're trying to live an intentional life, and want to know what we believe the Top 6 things are you should focus on to achieve the best results, then this episode of the replace Your Mortgage Podcast is for you. We don't always talk about nothing but HELOCs, and we want every one of you to be successful in life. We would love to hear your thoughts on these and comment below if you have other i...

This week's guest is Chris Payne from ULG. Chris is a mortgage expert who explains what mortgages and yoga pants have in common, along with some great insight as to why so many people in the mortgage industry prefer HELOCS over a traditional mortgage. If the experts are choosing this product, why shouldn't you? Comment on this video or go to www.replaceyourmortgage.com for more information and to...

A BIG question on a lot of people's minds is Are We In a Real Estate Bubble and Will It Burst? Although there's no way to predict the future, Michael and Matt discuss this question along with the current state of home prices and a quick nugget about Scottsdale, Arizona. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You c...

We get asked a lot by our clients "Can I get a HELOC on an Investment Property?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you understand how it works and when the best time to utilize that strategy. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is r...

Michael Lush and Matt Workman talk about crazy sports parent stories and growing up in the hood vs the wood. You never know the background of someone you meet, even through Replace Your Mortgage, and you might have more in common with someone than you know. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also downl...

Another question we get is "Do banks execute the strategy?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you find the right bank and teach you how to best execute on the strategy so you can pay off your home faster. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see...

Don't try things on your own, mentors will pave the way

Want to know how Replace Your Mortgage got started, our background and professional experience? Check out this latest podcast to find out.

Hands down one of the biggest questions we get is can you still write off interest with HELOC's with the new tax code. In this episode, we cover this topic.  Also, if you have questions about your personal situation, you can book a free call here. https://www.replaceyourmortgage.com/discover-pc  

Edmund is an assistant Principal and his wife Stephanie is an emergency room nurse.    In this episode, we talk about how they came to Replace Your Mortgage and what their biggest fears were when replacing their mortgage with a HELOC. We also talk about how fast they are paying their home down as well as how they just bought their vacation home in Mexico. Exciting interview! Lastly, if you would l...

Kim and Dayron had a HELOC 10 years ago but didn't know about our strategy. They booked a free discover call with Randy to figure out what they should do on their multiple properties. Tune in and find out what happened next. Also, if you would like to book a free discover call and get your questions answered, click the link below. https://www.replaceyourmortgage.com/discover-pc  

In this short but important episode, David Dutton talks about the process of getting a heloc with Matt Workman. Matt has originated hundreds of mortgages in his career and now helps Michael Lush on the support side with our Replace Your Mortgage clients. He talks about some of the issues people go through when trying to get a HELOC. Don't even think about getting a HELOC until you listen to this e...

In this episode, we cover one of the most popular topics that we get asked about which is interest rates. It makes people nervous...but should it really? We cover that today. Some of the other topics we cover are: - What you don't know about mortgage interest and what banks rather you do not look at on your loan paperwork. - Why you are missing out on opportunity cost and how David Dutton bought a...