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Date: Mon, 30 Mar 2026 22:10:05 -0400
From: Colin Rivera2 <colinrivera@cleancottage.com>
To: bruce@untroubled.org
Message-ID: <912220_dtlnhhsnjsjvclilfftskoivdfftskoivdnqyxurdtln@cleancottage.com>
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Reply-To: colinrivera@cleancottage.com
Subject: Let Your Home Pay You
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EquityFirst Financial

For homeowners age 62+ with significant home equity

EquityFirst Financial

Trusted retirement-focused financing guidance

Turn home equity into tax-free cash.

No monthly mortgage payments required while you live in your home.

Premium guide access

Put your equity to work for retirement security

If you qualify, you may be able to convert part of your home’s value into usable funds while continuing to live there and keep ownership.

■  Tax-free cash that can support retirement income, healthcare, or home updates

■  No required monthly mortgage payments while you live in the home

■  You retain title and ownership of the property

■  HUD-approved counseling is included as part of the process

Practical, clear, and built for real-life needs

A financing option designed to create flexibility

Your home has built value over time. This option may let you access that value without selling, without surrendering ownership, and without taking on monthly mortgage payments during the time you continue living there.

How it compares to the usual assumption

Common concern

“Using home equity means giving up the home or adding another monthly bill.”

What this offer provides

Continued residence in your home, retained title, and repayment typically deferred until the home is sold, permanently vacated, or part of estate settlement.

Good to know:
This option is generally intended for homeowners age 62+ with sufficient home equity. A free information guide can help you understand qualification basics, funds use, costs, safeguards, and next steps in plain language.

Get Your Free Guide

EquityFirst Financial is built around a simple belief: retirement funding decisions should feel informed, steady, and manageable. The purpose of offering access to home equity as tax-free cash is not to add pressure, but to provide another path for homeowners who want more room in their budgets without leaving the place they know best.

This service exists to help translate a complex lending category into a clearer, more useful decision process. That is why the experience is framed around practical guidance, straightforward explanation, and outside counseling through a HUD-approved agency before a commitment is made.

For many older homeowners, the goal is not borrowing for borrowing’s sake. It is preserving confidence, supporting long-term independence, and using built-up home value in a way that aligns with daily life, health needs, or plans for the years ahead. EquityFirst Financial approaches that responsibility with a calm, service-minded mindset.

Thank you for considering a practical way to strengthen financial flexibility in retirement.

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  <title>EquityFirst Financial</title>
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<body style="margin:0; padding:0; background-color:#eafaf1;">
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                  <td align="center" style="padding:10px 20px; font-family:Arial, Helvetica, sans-serif; font-size:12px; line-height:16px; color:#d9efe2; background-color:#7a4b23;">
                    For homeowners age 62+ with significant home equity
                  </td>
                </tr>
                <tr>
                  <td align="center" style="padding:28px 20px 24px 20px;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:32px; line-height:36px; font-weight:700; letter-spacing:0.8px; color:#ffffff;">
                      EquityFirst Financial
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:18px; color:#c7e1d0; padding-top:10px;">
                      Trusted retirement-focused financing guidance
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:34px; line-height:40px; font-weight:700; color:#ffffff; padding-top:20px;">
                      Turn home equity into tax-free cash.
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:18px; line-height:25px; color:#ecf8f0; padding-top:10px;">
                      No monthly mortgage payments required while you live in your home.
                    </div>
                  </td>
                </tr>
                <tr>
                  <td align="center" style="padding:0 20px 22px 20px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; max-width:620px;">
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                        <td style="padding:0;">
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:separate; width:100%; background-color:#ffffff; border-radius:10px;">
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                              <td style="padding:18px 20px 16px 20px; font-family:Arial, Helvetica, sans-serif; color:#223127;">
                                <div style="font-size:12px; line-height:16px; font-weight:700; letter-spacing:0.6px; color:#1e6b3e; text-transform:uppercase;">
                                  Premium guide access
                                </div>
                                <div style="font-size:26px; line-height:31px; font-weight:700; color:#1b2a20; padding-top:6px;">
                                  Put your equity to work for retirement security
                                </div>
                                <div style="font-size:15px; line-height:22px; color:#4a5a50; padding-top:10px;">
                                  If you qualify, you may be able to convert part of your home’s value into usable funds while continuing to live there and keep ownership.
                                </div>

                                <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; margin-top:14px;">
                                  <tr>
                                    <td valign="top" style="padding:0 0 9px 0; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#26362b;">
                                      <span style="color:#27ae60; font-weight:700;">&#9632;</span>&nbsp; Tax-free cash that can support retirement income, healthcare, or home updates
                                    </td>
                                  </tr>
                                  <tr>
                                    <td valign="top" style="padding:0 0 9px 0; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#26362b;">
                                      <span style="color:#27ae60; font-weight:700;">&#9632;</span>&nbsp; No required monthly mortgage payments while you live in the home
                                    </td>
                                  </tr>
                                  <tr>
                                    <td valign="top" style="padding:0 0 9px 0; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#26362b;">
                                      <span style="color:#27ae60; font-weight:700;">&#9632;</span>&nbsp; You retain title and ownership of the property
                                    </td>
                                  </tr>
                                  <tr>
                                    <td valign="top" style="padding:0; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#26362b;">
                                      <span style="color:#27ae60; font-weight:700;">&#9632;</span>&nbsp; HUD-approved counseling is included as part of the process
                                    </td>
                                  </tr>
                                </table>
                              </td>
                            </tr>
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                        </td>
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            <td align="center" style="padding:0 20px; background-color:#ffffff;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; max-width:700px;">
                <tr>
                  <td style="padding:20px 0 8px 0; font-family:Arial, Helvetica, sans-serif; color:#243229;">
                    <div style="font-size:12px; line-height:16px; font-weight:700; letter-spacing:0.6px; color:#7a4b23; text-transform:uppercase;">
                      Practical, clear, and built for real-life needs
                    </div>
                    <div style="font-size:24px; line-height:29px; font-weight:700; color:#1d2b21; padding-top:6px;">
                      A financing option designed to create flexibility
                    </div>
                    <div style="font-size:15px; line-height:22px; color:#4b5b51; padding-top:10px;">
                      Your home has built value over time. This option may let you access that value without selling, without surrendering ownership, and without taking on monthly mortgage payments during the time you continue living there.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:10px 0 0 0;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:separate; width:100%; border-radius:8px; background-color:#f7fbf8; border:1px solid #d6eadc;">
                      <tr>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif;">
                          <div style="font-size:18px; line-height:23px; font-weight:700; color:#1d2b21;">How it compares to the usual assumption</div>
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; margin-top:10px;">
                            <tr>
                              <td width="50%" valign="top" style="padding:0 8px 0 0; border-right:1px solid #dfe9e2;">
                                <div style="font-size:11px; line-height:15px; font-weight:700; color:#7a4b23; text-transform:uppercase;">Common concern</div>
                                <div style="font-size:14px; line-height:20px; color:#55645a; padding-top:6px;">
                                  “Using home equity means giving up the home or adding another monthly bill.”
                                </div>
                              </td>
                              <td width="50%" valign="top" style="padding:0 0 0 8px;">
                                <div style="font-size:11px; line-height:15px; font-weight:700; color:#1e6b3e; text-transform:uppercase;">What this offer provides</div>
                                <div style="font-size:14px; line-height:20px; color:#243229; padding-top:6px;">
                                  Continued residence in your home, retained title, and repayment typically deferred until the home is sold, permanently vacated, or part of estate settlement.
                                </div>
                              </td>
                            </tr>
                          </table>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:14px 0 0 0; font-family:Arial, Helvetica, sans-serif;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:separate; width:100%; border-radius:8px; background-color:#eafaf1;">
                      <tr>
                        <td style="padding:14px 16px; font-size:14px; line-height:21px; color:#26362b;">
                          <span style="font-weight:700; color:#1e6b3e;">Good to know:</span>
                          This option is generally intended for homeowners age 62+ with sufficient home equity. A free information guide can help you understand qualification basics, funds use, costs, safeguards, and next steps in plain language.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td align="center" style="padding:18px 0 8px 0;">
                    <a href="http://www.cleancottage.com/info/cq82tlu48b" style="display:inline-block; font-family:Arial, Helvetica, sans-serif; font-size:17px; line-height:21px; font-weight:700; color:#ffffff; text-decoration:none; background-color:#1e6b3e; padding:14px 28px; border-radius:7px;">
                      Get Your Free Guide
                    </a>
                  </td>
                </tr>

                <tr>
                  <td style="padding:8px 0 0 0; font-family:Arial, Helvetica, sans-serif; color:#46564c;">
                    <div style="font-size:14px; line-height:21px;">
                      EquityFirst Financial is built around a simple belief: retirement funding decisions should feel informed, steady, and manageable. The purpose of offering access to home equity as tax-free cash is not to add pressure, but to provide another path for homeowners who want more room in their budgets without leaving the place they know best.
                    </div>
                    <div style="font-size:14px; line-height:21px; padding-top:12px;">
                      This service exists to help translate a complex lending category into a clearer, more useful decision process. That is why the experience is framed around practical guidance, straightforward explanation, and outside counseling through a HUD-approved agency before a commitment is made.
                    </div>
                    <div style="font-size:14px; line-height:21px; padding-top:12px;">
                      For many older homeowners, the goal is not borrowing for borrowing’s sake. It is preserving confidence, supporting long-term independence, and using built-up home value in a way that aligns with daily life, health needs, or plans for the years ahead. EquityFirst Financial approaches that responsibility with a calm, service-minded mindset.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:16px 0 24px 0; font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:19px; color:#5b6a61;">
                    Thank you for considering a practical way to strengthen financial flexibility in retirement.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

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