I feel like I say some version of the sentence "Insurance is not a substitute for asset protection" about eight times daily. 

Furthermore, this Mortgage shall not be sold or assigned without the prior written agreement of the Mortgagor.Additional terms of the Promissory Note if Individually Checked: Privilege is reserved and Borrower may, at any time, substitute for the collateral that is security for this Promissory Note secured by a Deed of Trust.

To the men who have publicly disagreed with me about how exclusionary language feels to me/to women, why don't you try substituting "ladies" everywhere people use the word "guys," and maybe you'll start to understand how many women feel.  

Furthermore, this Mortgage shall not be sold or assigned without the prior written agreement of the Mortgagor.Additional terms of the Promissory Note if Individually Checked:€ Privilege is reserved and Borrower may, at any time, substitute for the collateral that is security for this Promissory Note secured by a Deed of Trust.

If I cater to Derek and I provide a great property and line him up with a qualified buyer, how likely will Derek come back to me.Let's take Derek out of the equation and substitute him for a random newbie investor.

I know this to be a fact.The job of your letter is to be a substitute for you knocking at their door at the right time with the right message.

Hi Bryan, I'm no substitute for Bill Gullie (??)

A call operator is never a substitute for you; only a person hired to handle certain aspects of the conversion.

We’ve been gathering as much information as we can online, but we recognize that internet research is no substitute for a “boots on the ground” understanding of the city.

My example was substituting the HELOC in place of the mortgage.