www.ReplaceYourMortgage.com Avis 4

Réponse : www.ReplaceYourMortgage.com

17 mars 2026

Hi — I understand how this situation could feel frustrating, and I want to clarify a few key points for context.

During the strategy review, it was determined that the clients’ situation did not support an immediate first-position HELOC replacing their mortgage. This does not constitute a change in the program or a “bait and switch,” but rather the application of the education to their specific financial circumstances, which is the intended and disclosed process.

Refund eligibility is outlined in the Client Expectation Agreement and requires participation in the education and strategy evaluation process. Once the program has been accessed and services like analysis and coaching have been delivered, a full refund is not applicable.

In this case, the program was delivered as outlined, including educational access and personalized analysis. While a full refund was not warranted under the agreement, we acknowledged there may have been a gap in expectations and offered a $1,500 partial refund as a goodwill gesture. That offer remains available.

We respectfully disagree with the claim that nothing was received. The education, strategy, and support were provided as agreed, and the outcome here reflects individual financial factors and lender constraints — not a change in the program itself.

Michael – Replace Your University

Réponse : www.ReplaceYourMortgage.com

17 mars 2026

Hi there — we appreciate you taking the time to look into the company and share your concern.

For clarity, Replace Your University does have both a Client Expectation Agreement and a defined refund policy in place. Refund eligibility is based on that agreement and requires clients to follow the outlined process — including participating in the education and completing the strategy evaluation.

Because this is an education-based program, once services have been delivered and the program has been accessed, a full refund is not available. That said, every situation is reviewed individually to ensure it’s handled in alignment with what was agreed to upfront.

We understand how complaints can raise questions, and we always encourage people to look at the full picture — including how the program works, what’s required, and the many clients who have successfully gone through the process.

If anyone has questions before getting started, our team is happy to walk through expectations in detail so there are no surprises.

— Michael, Replace Your University

Réponse : www.ReplaceYourMortgage.com

17 mars 2026

Hi there — I appreciate you taking the time to think this through and run your own numbers. That’s exactly what people should be doing.

A couple of important clarifications, because there are some misunderstandings about what we actually teach at Replace Your Mortgage.

First, you do not need to own a home free and clear to use a HELOC. Many banks offer what’s called a first-lien HELOC, which is used to purchase a home — similar to a mortgage, just structured differently.

Second, your calculation assumes the payment stays the same and the balance declines slowly over time. That’s how a traditional amortized mortgage works. What we teach is different.

The strategy is not about magically paying off a loan with less money — the math still has to work. It’s about changing how cash flow interacts with the loan balance, so principal is reduced faster, which in turn reduces how much interest accrues. When income is consistently flowing against the balance, the timeline can compress significantly — but it depends entirely on the individual’s cash flow, discipline, and structure.

That’s why we’re very clear: this is not a fit for everyone, and results are not guaranteed. But for households that have margin between income and expenses, the difference in how interest is calculated can be substantial.

Skepticism is healthy. We just encourage people to look at the full structure and math, not a simplified version of a fixed monthly payment over time. We also have a calculator on our website you can use.

— Michael, Replace Your University

Réponse : www.ReplaceYourMortgage.com

17 mars 2026

Hi there — we take feedback like this seriously, but we also want to be clear: Replace Your University is a legitimate education company, and we stand behind the support we provide to our clients.

If you had a specific issue or experience, we’d genuinely like the opportunity to look into it and make it right. General statements like this don’t give us much to work with.

You’re welcome to reach out to our team directly so we can assist you:

Email: support@replaceyouruniversity.com

Phone: (629) 258-6989

You can also visit our website for more information on what we teach and how the strategy works.

— Michael, Replace Your University