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From: Colin Rivera <colinrivera@nanohistory.com>
Reply-To: colinrivera@nanohistory.com
Subject: Make your home pay you
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Date: Wed, 1 Apr 2026 10:48:41 -0400
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EquityFirst Financial

For eligible homeowners age 62+ seeking flexibility, stability, and access to available home equity

EquityFirst Financial

 

Retirement flexibility, thoughtfully explained

Your home has built value.
It may now help support the life ahead.

Access your home’s equity as tax-free cash with no required monthly mortgage payments while you live in your home. It’s a way to think about financial freedom with greater peace of mind—not added strain.

What this option is designed to provide

— Tax-free cash that may be used for everyday priorities, home updates, healthcare costs, or added retirement income

— No monthly mortgage payments required while you continue living in the home and meet loan terms

— You retain title and ownership of your home

— Repayment typically occurs when the home is sold, you move out permanently, or the last borrower passes away

Clear guidance, not pressure

Eligibility generally requires age 62+ and sufficient home equity. The process also includes counseling from a HUD-approved agency, helping ensure every decision is informed and considered.

A practical next step

Request a free information guide and consultation to see how this solution may fit your goals, obligations, and timeline. The focus is clarity first, with no obligation to proceed.

Get Your Free Guide

EquityFirst Financial exists to help homeowners approach retirement decisions with greater confidence and less confusion. The purpose behind this offer is not to make debt feel appealing, but to present a responsible path for turning long-held home value into useful financial flexibility when it matters most.

The EquityFirst Financial approach is grounded in respect, education, and steady guidance. For households seeking tax-free cash with no monthly mortgage payments required while living in the home, the emphasis is always on understanding how the product works, what responsibilities continue, and whether the fit is truly appropriate.

That is why the process includes informed review, consultation, and independent HUD-approved counseling. The aim is simple: support a retirement solution that protects dignity, preserves ownership, and helps people use the value they have already built in service of the life they want to maintain.

Eligibility and loan terms apply. Homeowners must typically be age 62 or older and have sufficient equity. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other loan obligations as applicable.

This message is intended for informational purposes and encourages review of a free guide and consultation before making any financial decision.

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  <title>EquityFirst Financial</title>
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<body style="margin:0;padding:0;background-color:#f3f5f5;">
  <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;margin:0;padding:0;background:linear-gradient(to bottom,#12342f 0%,#12342f 52%,#f3f5f5 52%,#f3f5f5 100%);">
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                    For eligible homeowners age 62+ seeking flexibility, stability, and access to available home equity
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:10px 20px 0 20px;background-color:#12342f;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;">
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                  <td style="padding:10px 4px 4px 4px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:36px;line-height:40px;color:#ffffff;letter-spacing:0.5px;">
                    EquityFirst Financial
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 4px 14px 4px;">
                    <div style="height:1px;line-height:1px;font-size:1px;background-color:#6ea99d;">&nbsp;</div>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

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            <td style="padding:0 20px;background-color:#12342f;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;">
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                  <td style="padding:8px 4px 0 4px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:12px;line-height:16px;color:#9ed8cc;letter-spacing:1.1px;text-transform:uppercase;">
                    Retirement flexibility, thoughtfully explained
                  </td>
                </tr>
                <tr>
                  <td style="padding:10px 4px 6px 4px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:32px;line-height:38px;color:#ffffff;font-weight:normal;">
                    Your home has built value.<br>It may now help support the life ahead.
                  </td>
                </tr>
                <tr>
                  <td style="padding:4px 4px 18px 4px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:17px;line-height:27px;color:#d9efea;">
                    Access your home&rsquo;s equity as tax-free cash with no required monthly mortgage payments while you live in your home. It&rsquo;s a way to think about financial freedom with greater peace of mind&mdash;not added strain.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:0 20px;background-color:#12342f;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;background-color:#e8f8f5;border-radius:10px;">
                <tr>
                  <td style="padding:16px 16px 6px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:20px;line-height:26px;color:#10312c;">
                    What this option is designed to provide
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 16px 14px 16px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;">
                      <tr>
                        <td valign="top" style="padding:6px 0;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:24px;color:#1e3532;">
                          <span style="color:#0e6655;">&mdash;</span> Tax-free cash that may be used for everyday priorities, home updates, healthcare costs, or added retirement income
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:6px 0;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:24px;color:#1e3532;">
                          <span style="color:#0e6655;">&mdash;</span> No monthly mortgage payments required while you continue living in the home and meet loan terms
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:6px 0;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:24px;color:#1e3532;">
                          <span style="color:#0e6655;">&mdash;</span> You retain title and ownership of your home
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:6px 0 2px 0;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:24px;color:#1e3532;">
                          <span style="color:#0e6655;">&mdash;</span> Repayment typically occurs when the home is sold, you move out permanently, or the last borrower passes away
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:12px 20px 0 20px;background-color:#f3f5f5;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;background-color:#163c36;">
                <tr>
                  <td style="padding:14px 16px 8px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:22px;line-height:28px;color:#ffffff;">
                    Clear guidance, not pressure
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 16px 14px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:24px;color:#dcebe7;">
                    Eligibility generally requires age 62+ and sufficient home equity. The process also includes counseling from a HUD-approved agency, helping ensure every decision is informed and considered.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:0 20px;background-color:#f3f5f5;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;background-color:#ffffff;">
                <tr>
                  <td style="padding:16px 16px 5px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:21px;line-height:27px;color:#182625;">
                    A practical next step
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 16px 16px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:25px;color:#334543;">
                    Request a free information guide and consultation to see how this solution may fit your goals, obligations, and timeline. The focus is clarity first, with no obligation to proceed.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:12px 20px 0 20px;background-color:#f3f5f5;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;background-color:#0e6655;border-radius:12px;">
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                  <td align="center" style="padding:18px 16px 20px 16px;">
                    <a href="http://www.nanohistory.com/brief-line/idjx2o7n7x" style="display:inline-block;background-color:#1abc9c;color:#08342d;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:18px;line-height:22px;text-decoration:none;padding:14px 26px;border-radius:30px;font-weight:normal;">
                      Get Your Free Guide
                    </a>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:14px 20px 0 20px;background-color:#f3f5f5;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;background-color:#ffffff;">
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                  <td style="padding:15px 16px 10px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:25px;color:#2b3c3a;">
                    EquityFirst Financial exists to help homeowners approach retirement decisions with greater confidence and less confusion. The purpose behind this offer is not to make debt feel appealing, but to present a responsible path for turning long-held home value into useful financial flexibility when it matters most.
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 16px 10px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:25px;color:#2b3c3a;">
                    The EquityFirst Financial approach is grounded in respect, education, and steady guidance. For households seeking tax-free cash with no monthly mortgage payments required while living in the home, the emphasis is always on understanding how the product works, what responsibilities continue, and whether the fit is truly appropriate.
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 16px 16px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:16px;line-height:25px;color:#2b3c3a;">
                    That is why the process includes informed review, consultation, and independent HUD-approved counseling. The aim is simple: support a retirement solution that protects dignity, preserves ownership, and helps people use the value they have already built in service of the life they want to maintain.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:12px 20px 28px 20px;background-color:#f3f5f5;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;width:100%;background-color:#eef1f1;">
                <tr>
                  <td style="padding:12px 16px 6px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:13px;line-height:19px;color:#566564;">
                    Eligibility and loan terms apply. Homeowners must typically be age 62 or older and have sufficient equity. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other loan obligations as applicable.
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 16px 12px 16px;font-family:'Palatino Linotype', Palatino, Georgia, serif;font-size:13px;line-height:19px;color:#566564;">
                    This message is intended for informational purposes and encourages review of a free guide and consultation before making any financial decision.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

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