Replace Your Mortgage

Replace Your Mortgage is a financial education company that teaches homeowners to understand mortgage costs and explore strategies for paying off their homes sooner. Founded by Michael Lush, who spent 17 years in the mortgage industry, the organization grew from his effort to test alternative approaches to managing mortgage debt and household cash flow. Its central message is that a mortgage’s total interest cost can matter more than its stated interest rate.

The company offers free online training, educational programs, tools, and personalized strategy-building support. Its programs include Replace Your Mortgage, Replace Your Bank, Replace Your Employer, and Replace Your Dollar, alongside resources such as the RYM HELOC Strategy Calculator, a blog, FAQs, and client reviews. The training helps participants examine their mortgage’s long-term cost, consider how existing cash flow might be used more efficiently, and develop a strategy aligned with their finances and goals. Replace Your Mortgage says it has served more than 10,000 homeowners and presents its services as education and guidance for people seeking greater control over their financial future. The site also features verified client stories and reports an A+ Better Business Bureau rating.