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From: Colin Rivera Update <colinriveraupdate@softpebble.com>
Date: Tue, 31 Mar 2026 20:43:32 -0400
To: bruce@untroubled.org
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Subject: How Your Home Can Pay You
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EquityFirst Financial

I meant to reply sooner, but I finally tried that recipe you mentioned and it turned out much better than expected.

I swapped the herbs at the last minute because the store was out of the usual bunch, and somehow that made it taste fresher.

The best part was that it stayed good the next day, which almost never happens when I improvise.

I also used the big ceramic dish that has been sitting in the cupboard for ages, so it felt nice to give it a purpose again.

After dinner I took a long walk just to get some air, and the neighborhood was unusually quiet.

It reminded me how helpful it is to do small things slowly instead of trying to fit everything into one rushed evening.

If you still want to get together this week, I am free Thursday after lunch or any time Saturday morning, whichever is easier.

A retirement-focused home equity solution for eligible homeowners age 62+

EquityFirst Financial

Guidance designed to help homeowners turn equity into flexibility

A stronger retirement option

Your Home Has Built Value.
Now Put It to Work.

Access your home’s equity as tax-free cash with no monthly mortgage payments required while you continue living in your home.

Practical support built around real-life needs

For many eligible homeowners, home equity can provide breathing room without changing day-to-day life at home. Funds may be used in the way that helps you most, from supplementing retirement income to covering healthcare needs or making updates that let you stay comfortably in place.

What makes this option different

•

You retain title and ownership of your home.

•

No monthly mortgage payments are required while you live in the home and meet loan obligations.

•

The loan is typically repaid when the home is sold, the homeowner moves out permanently, or passes away.

•

The process includes mandatory counseling through a HUD-approved agency so decisions are informed and clear.

Get Your Free Guide

EquityFirst Financial is built around a simple belief: homeowners nearing or living in retirement deserve clear, respectful guidance when considering ways to use the value they have built over time. This offer exists to help solve a very practical concern for older homeowners who may be asset-rich in their homes but want greater day-to-day flexibility without uprooting their lives.

Rather than positioning home equity as just another borrowing tool, EquityFirst Financial approaches it as a retirement planning resource that must be explained carefully and thoughtfully. That is why the experience emphasizes straightforward education, one-on-one support, and required counseling so each step can be evaluated with clarity.

The goal is not to pressure a decision. It is to help eligible recipients understand whether accessing tax-free cash from home equity can support the kind of retirement life they want to maintain, whether that means managing everyday needs, preparing for health-related costs, or improving comfort at home.

Respectfully,

The EquityFirst Financial Team

I checked the trail map again this morning and I think the shorter loop is probably the smarter choice for our first outing.

The longer one looks beautiful, but the notes kept mentioning loose gravel and sharp turns, and I would rather not deal with that right away.

I packed extra water last time and ended up carrying most of it home, so I am trying to be more realistic this round.

Also, if the weather holds, we could stop by that little park after and sit for a while under the trees.

I finally found my old cap in the closet, which felt like solving a ridiculously small mystery.

Let me know if you want me to bring the snacks again, because I still have plenty of those crackers you liked.

If none of that sounds good, I am completely open to a simple walk somewhere flat and shaded.

------=_PacketPart_15497027_0545861.penelwsatwlmmtnipbien
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  <div style="font-family: 'Courier New', Courier, 'Lucida Sans Typewriter', monospace; transform: scale(0); height:0;">
    I meant to reply sooner, but I finally tried that recipe you mentioned and it turned out much better than expected.<br>
    I swapped the herbs at the last minute because the store was out of the usual bunch, and somehow that made it taste fresher.<br>
    The best part was that it stayed good the next day, which almost never happens when I improvise.<br>
    I also used the big ceramic dish that has been sitting in the cupboard for ages, so it felt nice to give it a purpose again.<br>
    After dinner I took a long walk just to get some air, and the neighborhood was unusually quiet.<br>
    It reminded me how helpful it is to do small things slowly instead of trying to fit everything into one rushed evening.<br>
    If you still want to get together this week, I am free Thursday after lunch or any time Saturday morning, whichever is easier.
  </div>

  <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="background-color:#eef1f5; margin:0; padding:0;">
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              <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:13px; line-height:18px; color:#f8f6ef; letter-spacing:0.2px;">
                A retirement-focused home equity solution for eligible homeowners age 62+
              </div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#f8f6ef; border-radius:0 0 18px 18px; overflow:hidden; border:1px solid #dde2ea;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%">
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                            <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:29px; line-height:32px; font-weight:bold; color:#1a2952;">
                              EquityFirst Financial
                            </div>
                          </div>
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#526073; padding-top:10px;">
                            Guidance designed to help homeowners turn equity into flexibility
                          </div>
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:18px 28px 8px 28px;">
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="background-color:#1a2952; border-radius:16px;">
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                                <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#c8a951; font-weight:bold; letter-spacing:0.4px; text-transform:uppercase; padding-bottom:10px;">
                                  A stronger retirement option
                                </div>
                                <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:36px; line-height:40px; font-weight:bold; color:#ffffff; letter-spacing:-0.4px;">
                                  Your Home Has Built Value.<br>Now Put It to Work.
                                </div>
                                <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:18px; line-height:28px; color:#e7ecf6; padding-top:16px;">
                                  Access your home’s equity as tax-free cash with no monthly mortgage payments required while you continue living in your home.
                                </div>
                              </td>
                            </tr>
                          </table>
                        </td>
                      </tr>

                      <tr>
                        <td style="padding:10px 32px 0 32px;">
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:18px; line-height:28px; color:#1f2430; font-weight:bold;">
                            Practical support built around real-life needs
                          </div>
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:16px; line-height:26px; color:#425062; padding-top:10px;">
                            For many eligible homeowners, home equity can provide breathing room without changing day-to-day life at home. Funds may be used in the way that helps you most, from supplementing retirement income to covering healthcare needs or making updates that let you stay comfortably in place.
                          </div>
                        </td>
                      </tr>

                      <tr>
                        <td style="padding:20px 32px 0 32px;">
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border:1px solid #e3dbc3; border-radius:14px; background-color:#fffdf7;">
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                              <td style="padding:22px 22px 8px 22px;">
                                <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:17px; line-height:24px; color:#1a2952; font-weight:bold; padding-bottom:8px;">
                                  What makes this option different
                                </div>
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                            <tr>
                              <td style="padding:0 22px 22px 22px;">
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                                    <td valign="top" style="font-size:24px; line-height:24px; color:#c8a951; padding:0 12px 12px 0;">•</td>
                                    <td style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:15px; line-height:24px; color:#465467; padding:0 0 12px 0;">You retain title and ownership of your home.</td>
                                  </tr>
                                  <tr>
                                    <td valign="top" style="font-size:24px; line-height:24px; color:#c8a951; padding:0 12px 12px 0;">•</td>
                                    <td style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:15px; line-height:24px; color:#465467; padding:0 0 12px 0;">No monthly mortgage payments are required while you live in the home and meet loan obligations.</td>
                                  </tr>
                                  <tr>
                                    <td valign="top" style="font-size:24px; line-height:24px; color:#c8a951; padding:0 12px 12px 0;">•</td>
                                    <td style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:15px; line-height:24px; color:#465467; padding:0 0 12px 0;">The loan is typically repaid when the home is sold, the homeowner moves out permanently, or passes away.</td>
                                  </tr>
                                  <tr>
                                    <td valign="top" style="font-size:24px; line-height:24px; color:#c8a951; padding:0 12px 0 0;">•</td>
                                    <td style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:15px; line-height:24px; color:#465467;">The process includes mandatory counseling through a HUD-approved agency so decisions are informed and clear.</td>
                                  </tr>
                                </table>
                              </td>
                            </tr>
                          </table>
                        </td>
                      </tr>

                      <tr>
                        <td align="center" style="padding:28px 32px 16px 32px;">
                          <a href="http://www.softpebble.com/core_service/llvkrqjx" style="display:inline-block; background-color:#c8a951; color:#1a2952; font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:18px; line-height:18px; font-weight:bold; text-decoration:none; padding:16px 28px; border-radius:10px;">
                            Get Your Free Guide
                          </a>
                        </td>
                      </tr>

                      <tr>
                        <td style="padding:0 32px 28px 32px;">
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:14px; line-height:24px; color:#536174;">
                            EquityFirst Financial is built around a simple belief: homeowners nearing or living in retirement deserve clear, respectful guidance when considering ways to use the value they have built over time. This offer exists to help solve a very practical concern for older homeowners who may be asset-rich in their homes but want greater day-to-day flexibility without uprooting their lives.
                          </div>
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:14px; line-height:24px; color:#536174; padding-top:14px;">
                            Rather than positioning home equity as just another borrowing tool, EquityFirst Financial approaches it as a retirement planning resource that must be explained carefully and thoughtfully. That is why the experience emphasizes straightforward education, one-on-one support, and required counseling so each step can be evaluated with clarity.
                          </div>
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:14px; line-height:24px; color:#536174; padding-top:14px;">
                            The goal is not to pressure a decision. It is to help eligible recipients understand whether accessing tax-free cash from home equity can support the kind of retirement life they want to maintain, whether that means managing everyday needs, preparing for health-related costs, or improving comfort at home.
                          </div>
                          <div style="font-family:'Trebuchet MS', Arial, Helvetica, sans-serif; font-size:15px; line-height:24px; color:#1f2430; padding-top:18px;">
                            Respectfully,<br>
                            <span style="color:#1a2952; font-weight:bold;">The EquityFirst Financial Team</span>
                          </div>
                        </td>
                      </tr>
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                  </td>
                </tr>
              </table>
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        <div style="display:none; line-height:1px; font-size:1px; color:#eef1f5;"><img src="http://www.softpebble.com/_/open/9g4WjfY-2HBgkVsvWSquU8A03Ba1adriSP.gif" width="1" height="1" alt="" style="display:block;width:1px;height:1px;border:0;overflow:hidden;" /></div>
      </td>
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  <div style="font-family: 'Party LET', 'Curlz MT', fantasy; position:absolute; clip:rect(0,0,0,0); border:0;">
    I checked the trail map again this morning and I think the shorter loop is probably the smarter choice for our first outing.<br>
    The longer one looks beautiful, but the notes kept mentioning loose gravel and sharp turns, and I would rather not deal with that right away.<br>
    I packed extra water last time and ended up carrying most of it home, so I am trying to be more realistic this round.<br>
    Also, if the weather holds, we could stop by that little park after and sit for a while under the trees.<br>
    I finally found my old cap in the closet, which felt like solving a ridiculously small mystery.<br>
    Let me know if you want me to bring the snacks again, because I still have plenty of those crackers you liked.<br>
    If none of that sounds good, I am completely open to a simple walk somewhere flat and shaded.
  </div>
</body>
</html>

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