# Replace Your Mortgage Alternatives: 6 Options Compared > Looking for a Replace Your Mortgage alternative? Compare extra payments, DIY HELOCs, first lien HELOCs, other coached programs, and free calculators. Canonical HTML: https://acceleratedstrategies.com/blog/replace-your-mortgage-alternatives Markdown twin: https://acceleratedstrategies.com/blog/replace-your-mortgage-alternatives.md Author: sam@acceleratedstrategies.com Published: 2026-11-05T23:20:55.299+00:00 Updated: 2026-11-06T04:37:58.83094+00:00 **Short answer:** So you’re considering the “Replace Your Mortgage” program but you’re wondering if there are better alternatives and options. You may have attended their free training video, scheduled a call, and you’re now learning about the possibilities of using a HELOC to pay off your mortgage faster. The concept, education, and coaching that “Replace Your Mortgage” are legit and real. They are one of the highly ranked companies in the subject of debt elimination. However, there are better alternatives and other options you could consider, such as Accelerated Strategies. Accelerated Strategies was founded by the Kwak Brothers, Sam and Daniel Kwak. Since 2015, they’ve been teaching various financial strategies in investing, real estate, and paying off your mortgage faster. Accelerated Strategies offers a highly relational 1:1 coaching, education, software programs, and list of recommended banks for the suitable HELOCs. If you want to see what doing it yourself actually looks like, I break it down step by step in my video: ## About Accelerated Strategies We offer 1-on-1 consulting, live weekly community calls, and Solvit Smart Tracking Software. We model both first-lien and second-lien setups, and if the math doesn't work for you, we tell you upfront. BBB rates us A+, accredited since April 16, 2021. At the time of this article being published, Accelerated Strategies has over 425 reviews on Trustpilot - overwhelmingly positive. You can read the reviews here: [https://www.trustpilot.com/review/acceleratedstrategies.com](https://www.trustpilot.com/review/acceleratedstrategies.com) Whereas, Replace Your Mortgage (or Replace Your University) only has 52 reviews at the time of this article being published: [https://www.trustpilot.com/review/replaceyouruniversity.com](https://www.trustpilot.com/review/replaceyouruniversity.com) Accelerated Strategies offer a 1:1 coach that is assigned to you at the time of enrollment. They work with you in creating a unique plan just for you and suggest HELOC lenders that are suitable for your plan. From there, your coach will ensure that you get the right tool in place to begin paying off your mortgage faster. Furthermore, Accelerated Strategies offer a proprietary software and a mobile app that automates much of the tracking for you. You’d be able to securely connect your HELOC and financial accounts with the software. In near real time, the software will sync balances and transactions to create the most accurate estimate on your progress, your savings, and how you’re doing against the plan. This gives you both the visibility and clarity to know whether the plan is actually working or it deserves another look. Whichever program you look at, get the full price, any recurring fees, and the refund and cancellation terms in writing before you sign. ## Continuing Pathways Accelerated Strategies go beyond just mortgage payoff coaching and education. Accelerated Strategies also offer pathways into real estate investment opportunities, estate planning, tax planning, and more. Help you pay off your debt is one dimension of your financial success. Going further into building wealth and income brings wholeness to your financial picture. Accelerated Strategies can certainly help you further your financial preparation and freedom. ## How do you choose the right alternative? Ask yourself four questions: 1. **Check the Reviews & Complaints:** Actually read what other homeowners, like you, are saying about each companies. Don’t forget to read the complaint section as well! 2. **Schedule a Call with Both Companies:** On top of reading the reviews and doing your own independent research, I encourage you to speak to both Replace Your Mortgage AND Accelerated Strategies to weigh options directly from them. You can schedule a call with Accelerated Strategies here: [https://acceleratedstrategies.com/consulting](https://acceleratedstrategies.com/consulting) 3. **Check Out Their Free Social Media Content:** Review their social media content for free educational materials. You’ll get a good sense of their teaching style as well as how they explain the strategy. That gives you a good picture of what you could expect in the paid programs. You can check out Accelerated Strategies’ free content here: [https://www.youtube.com/c/thekwakbrothers](https://www.youtube.com/c/thekwakbrothers) ## Frequently asked questions **What is the best alternative to Replace Your Mortgage?** Accelerated Strategies is one the highest rated companies for coaching and education around paying off your mortgage faster. **Can I do the Replace Your Mortgage strategy myself?** Yes. The math behind using a HELOC to pay down a mortgage isn't owned by any program. You can learn it from free videos, test it with a free calculator, and open a HELOC with your own bank. **Are mortgage payoff programs worth it?** A program is worth it only if the coaching, accountability, and tools are worth more to you than what it costs. Run your own numbers first, and get the price and refund terms in writing. **Do I have to refinance to pay off my mortgage faster?** No. Many homeowners keep their mortgage and use extra payments or a second-lien HELOC. Refinancing can be combined with a strategy, but it isn't a substitute for one. ## Schedule a FREE 30 Minute Appointment with Our Experts Want to assess if Accelerated Strategies is a better option for you? Schedule a free 30 minute consultation with our experts here: [**CLICK HERE TO SCHEDULE YOUR FREE 30 MINUTE APPOINTMENT**](https://acceleratedstrategies.com/consulting) ## Sources (last verified Nov 2026) - Replace Your University homepage and calculators: [https://replaceyouruniversity.com/](https://replaceyouruniversity.com/) and [https://replaceyouruniversity.com/first-lien-heloc-calculator/](https://replaceyouruniversity.com/first-lien-heloc-calculator/) - RYU client agreement ("RYU is not a lending institution"): [https://replaceyouruniversity.com/wp-content/uploads/2023/04/Replace-Your-University-Client-Expectations-Agreement-3.25.25-1.pdf](https://replaceyouruniversity.com/wp-content/uploads/2023/04/Replace-Your-University-Client-Expectations-Agreement-3.25.25-1.pdf) - CMG Financial, All In One loan: [https://www.cmgfi.com/all-in-one](https://www.cmgfi.com/all-in-one) - The Shred Method homepage: [https://theshredmethod.com/](https://theshredmethod.com/) - BBB, Sweep Strategies LLC: [https://www.bbb.org/us/hi/honolulu/profile/no-license-required-financial-consultants/sweep-strategies-llc-1296-53068674](https://www.bbb.org/us/hi/honolulu/profile/no-license-required-financial-consultants/sweep-strategies-llc-1296-53068674) - BBB, Accelerated Strategies: [https://www.bbb.org/us/il/saint-charles/profile/financial-consultants/accelerated-strategies-0654-1000017204](https://www.bbb.org/us/il/saint-charles/profile/financial-consultants/accelerated-strategies-0654-1000017204) - Ramsey Solutions, mortgage accelerator programs: [https://www.ramseysolutions.com/real-estate/mortgage-accelerator-program](https://www.ramseysolutions.com/real-estate/mortgage-accelerator-program) - Fannie Mae extra payment calculator: [https://yourhome.fanniemae.com/calculators-tools/extra-mortgage-payment-calculator](https://yourhome.fanniemae.com/calculators-tools/extra-mortgage-payment-calculator) — Source: Accelerated Strategies (https://acceleratedstrategies.com)