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Business Profile

Investment School

Replace Your University
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Reviews

Customer Review Ratings

3.71

Average of 14 Customer Reviews

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Review Details

  • LayliMohta

    Date: 12/01/2025

    I purchased their educational and loan services April 18, 2025. I was not given an onboarding call. I was getting denied for cc loans. I repaid major debt services. My credit score was rising. When I had problem getting refi loans on my house, I contacted ******, my mentor and requested a refund. I was told to forward denied credit applications. I submitted 2 letters. I have more. But there has been no reply from RYM.
    There office was closed today but I left another message on this Black Friday Sunday.
    (I have an irs lien due to personal/business taxes. I have a lien from a bankrupt company ********. These liens were to be handled by a Refi loan. )

    Replace Your University

    Date: 12/02/2025

    Dear *****,
    Thank you for taking the time to share your experience, and I’m truly sorry to hear about the frustration and delays you’ve encountered. This is not the level of service we strive to deliver, and I take your situation very seriously.
    I’ve personally pulled your file and see that you enrolled on April 18, 2025, and have been working diligently on your credit and funding goals. I also see the two denial letters you submitted and the additional messages you left. You’re absolutely right — you should have received a timely response, and the lack of follow-up (especially around the holiday weekend) is unacceptable.
    Here’s what I’m doing right now:
    Your case has been escalated to our senior funding and refund review team.
    Willie and a member of our leadership team will reach out to you directly within the next 24–48 hours (by Wednesday, December 3 at the latest) to review your full file — including the IRS lien, the ******** judgment, all denial letters (please feel free to send any additional ones), and your refund request.
    We will also schedule the onboarding/coaching call that should have happened months ago so we can properly map out the best path forward (or process your refund promptly if that’s what you decide).
    *****, you’ve clearly put in a lot of effort paying down debt and raising your score, and you deserve clear answers and real solutions. I’m personally overseeing this to make sure it’s handled quickly and fairly.
    You can reach me directly at [your direct email or phone] if you’d prefer to speak sooner, or simply reply here and I’ll make sure your message gets to the top of the queue.
    Thank you for your patience, and again, I’m sorry we dropped the ball. We’re fixing it now.
    Warm regards,
    ******* **** CEO/Chairman
    Replace Your Mortgage (RYM)

  • Nicole L

    Date: 11/19/2025

    This company and the people have integrity and the best interest of the client in mind. Their goal is to help..no matter the circumstances, they strive to help you through them. I have no regrets for joining this program and highly recommend it to everyone I meet.

  • Neal P

    Date: 11/19/2025

    This is a phenomenal strategy!! I paid 5k for the program, added another 32k loans into my HELOC for a total of 37k added to my balance and in 4 months the balance was back down to where it was before I started!! Amazing!! Learning this way to bank is so worth investing your time and money!

  • Linda P

    Date: 03/04/2025

    Best program to learn how to pay off your mortgage.
    Thanks Guys

  • DAVID O

    Date: 03/02/2025

    We were on vacation last december and found RYU. We watched a video, had our consult and signed up. We just closed on the first position HELOC and are very excited to have our mortgage retired in about 6 years rather then 25 at a savings of about 205k in interest. All of the folks we worked with were awesome and the process was quite easy. Thank you Michael, William and the whole team. **** 

  • Dora M

    Date: 02/19/2025

    I have joined RYU in April 2024. I took the course and learned all about HELOCs versus 30 year mortgages. It is the most valuable information that I have ever learned. It has taught me how to be my own bank and no longer a debt slave by being indebted to a mortgage for 30 years, not to mention the TIP (Total Interest Percentage) amount of the the 30 year mortgage that everyone is paying. We are taught to look at the interest rate and NOT the TIP. I thank you RYU for all you do for the average person whom has been brainwashed to be a debt slave forever and for teaching us how to get out of that corrupted system. My Rep that was assigned to me, Paul W., is the most fabulous, knowledgeable and caring person. Paul, and everyone in the company I have dealt with, truly care about helping people. I will be paying off my home in less than 4 years now that I have a 1st position HELOC, versus 27 more years that I had left to pay with the 30 year mortgage. Also, I am saving over $80,000 in interest. Amazing how this is not taught to us in school so that we NEVER get out of debt. The money I spent to join the program is but a tiny fraction compared to the tremendous savings. Thank you RYU and the entire team for being a company that TRULY cares about helping people! I am so glad to have joined RYU and highly recommend them!

  • Bebe S

    Date: 02/14/2025

    We are excited to say we found RYM FIVE YEARS AGO AND IT HAS BEEN THE BEST THING FOR US! We got the education we stayed the course and we are mortgage free! It works! The education is wonderful!

  • Manuel C

    Date: 02/10/2025

    One of the best programs that I ever encountered in my life, being able to pay your mortgage off in 5-7 years is unreal, good job Michael in bringing that up to regular folks, congratulations

  • Everett H

    Date: 08/01/2024

    They come accross as knowlagable, I had technical difficulties right away they charged us $10K for educational information only and I was not able to access the information quickly then the guy that we were handed off to was unresponsive after the first meeting. This company has been unresponsive ever since. The information is not worth the $10K investment and we werent able to qualify for the HELOC strategy because they didn't explain the complete details. Don't use this service, you can message me and I will answer your questions at no charge! NOT WORTH IT!!!!!

  • Ron R

    Date: 05/03/2024

    Best service and fantastic education on all money maters. Worth every penny.

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