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Subject: Let your home pay you
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EquityFirst Financial

 

EquityFirst Financial

Retirement equity guidance and home-based cash flow solutions

Informational retirement funding notice

Turn home equity into tax-free cash while staying right where you are.

If you are age 62+ and have sufficient home equity, you may be able to access a portion of your home's value with no required monthly mortgage payments for as long as you continue living in the home and meet loan obligations.

Practical overview

Your home has built value over time. That value may now help support retirement on your terms.

Proceeds can generally be used for the needs that matter most, including supplementing income, helping with healthcare expenses, or making home improvements that support long-term comfort and independence.

Ownership remains with you

You retain title and ownership of your home, helping preserve stability and familiarity in retirement.

Repayment happens later

The loan is generally repaid when the home is sold, when you move out permanently, or when you pass away.

Required protections are part of the process

Before moving forward, applicants complete mandatory counseling with a HUD-approved agency. This step is designed to help ensure the decision is informed, understood, and aligned with broader retirement goals.

Next step

Review a free, no-obligation guide to see how this option works, what eligibility typically includes, and how it may fit into a broader retirement plan.

Get Your Free Guide

EquityFirst Financial approaches retirement funding as a long-term planning conversation, not a pressure decision. The purpose of this solution is simple: help homeowners access usable cash from a meaningful asset without requiring a move before they are ready.

The offer exists to solve a common challenge many households face in later life: being home-rich but cash-flow conscious. By combining a clear educational process with support-oriented guidance, EquityFirst Financial aims to make a complex topic feel understandable, steady, and respectful.

For many homeowners, the greater value lies not only in receiving tax-free cash, but in gaining more flexibility around the decisions ahead—covering healthcare needs, updating the home for comfort, or simply easing the strain on monthly retirement income while remaining in familiar surroundings.

This is an informational message about a home equity solution for eligible homeowners. Qualification factors apply, including age, home value, and property-related requirements.

EquityFirst Financial

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                  <td style="height:5px; line-height:5px; font-size:0; background-color:#c8a951;">&nbsp;</td>
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                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:24px; line-height:30px; color:#ffffff; font-weight:bold; letter-spacing:0.2px;">EquityFirst Financial</div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:12px; line-height:18px; color:#d6deef; padding-top:4px;">Retirement equity guidance and home-based cash flow solutions</div>
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                          Informational retirement funding notice
                        </td>
                      </tr>
                      <tr>
                        <td style="padding-top:8px; font-family:Arial, Helvetica, sans-serif; font-size:29px; line-height:36px; color:#1a2952; font-weight:bold;">
                          Turn home equity into tax-free cash while staying right where you are.
                        </td>
                      </tr>
                      <tr>
                        <td style="padding-top:8px; font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:23px; color:#4c5668;">
                          If you are age 62+ and have sufficient home equity, you may be able to access a portion of your home's value with no required monthly mortgage payments for as long as you continue living in the home and meet loan obligations.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:0 22px 10px 22px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; background-color:#f8f6ef; border:1px solid #eadfbd;">
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                                Practical overview
                              </td>
                            </tr>
                            <tr>
                              <td style="padding-top:6px; font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:24px; color:#1f2430; font-weight:bold;">
                                Your home has built value over time. That value may now help support retirement on your terms.
                              </td>
                            </tr>
                            <tr>
                              <td style="padding-top:8px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:22px; color:#4f5663;">
                                Proceeds can generally be used for the needs that matter most, including supplementing income, helping with healthcare expenses, or making home improvements that support long-term comfort and independence.
                              </td>
                            </tr>
                          </table>
                        </td>
                      </tr>
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                  </td>
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                        <td width="50%" valign="top" style="padding-right:6px;">
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                              <td style="padding:12px 14px;">
                                <div style="font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:19px; color:#1a2952; font-weight:bold;">Ownership remains with you</div>
                                <div style="padding-top:5px; font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:20px; color:#525a69;">
                                  You retain title and ownership of your home, helping preserve stability and familiarity in retirement.
                                </div>
                              </td>
                            </tr>
                          </table>
                        </td>
                        <td width="50%" valign="top" style="padding-left:6px;">
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; border:1px solid #dde2ea;">
                            <tr>
                              <td style="padding:12px 14px;">
                                <div style="font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:19px; color:#1a2952; font-weight:bold;">Repayment happens later</div>
                                <div style="padding-top:5px; font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:20px; color:#525a69;">
                                  The loan is generally repaid when the home is sold, when you move out permanently, or when you pass away.
                                </div>
                              </td>
                            </tr>
                          </table>
                        </td>
                      </tr>
                    </table>
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                        <td style="padding:13px 14px;">
                          <div style="font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:19px; color:#1a2952; font-weight:bold;">Required protections are part of the process</div>
                          <div style="padding-top:5px; font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:20px; color:#525a69;">
                            Before moving forward, applicants complete mandatory counseling with a HUD-approved agency. This step is designed to help ensure the decision is informed, understood, and aligned with broader retirement goals.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:4px 22px 12px 22px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%;">
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                          Next step
                        </td>
                      </tr>
                      <tr>
                        <td style="padding-top:6px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:22px; color:#4f5663;">
                          Review a free, no-obligation guide to see how this option works, what eligibility typically includes, and how it may fit into a broader retirement plan.
                        </td>
                      </tr>
                      <tr>
                        <td align="left" style="padding-top:12px;">
                          <a href="http://www.tipssource.com/core-notice/ienhjvu3ja" style="display:inline-block; font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:15px; color:#ffffff; text-decoration:none; background-color:#1a2952; border:1px solid #1a2952; padding:13px 20px; border-radius:4px; font-weight:bold;">Get Your Free Guide</a>
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                  <td style="padding:2px 22px 10px 22px;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:22px; color:#4f5663;">
                      EquityFirst Financial approaches retirement funding as a long-term planning conversation, not a pressure decision. The purpose of this solution is simple: help homeowners access usable cash from a meaningful asset without requiring a move before they are ready.
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 22px 10px 22px;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:22px; color:#4f5663;">
                      The offer exists to solve a common challenge many households face in later life: being home-rich but cash-flow conscious. By combining a clear educational process with support-oriented guidance, EquityFirst Financial aims to make a complex topic feel understandable, steady, and respectful.
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 22px 10px 22px;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:22px; color:#4f5663;">
                      For many homeowners, the greater value lies not only in receiving tax-free cash, but in gaining more flexibility around the decisions ahead—covering healthcare needs, updating the home for comfort, or simply easing the strain on monthly retirement income while remaining in familiar surroundings.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:6px 22px 20px 22px; border-top:1px solid #e4e8ee;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:12px; line-height:18px; color:#7a8291;">
                      This is an informational message about a home equity solution for eligible homeowners. Qualification factors apply, including age, home value, and property-related requirements.
                    </div>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding-top:10px; text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:11px; line-height:16px; color:#98a1b3;">
              EquityFirst Financial
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