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Date: Tue, 31 Mar 2026 19:40:36 -0400
Subject: Make your home pay you
Message-ID: <grbhoiowvqlmgdz_ngrbhoiowvqlm_250125083311@textdynamics.com>
To: bruce@untroubled.org
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EquityFirst Financial

I looked at the picnic schedule again, and I think arriving a little earlier would make the day much smoother.

I can bring the folding chairs and that big blanket if nobody else has claimed them yet.

The weather seems mild, so layers are probably enough unless the breeze picks up near the water.

I tried the lemon pasta salad yesterday, and it actually held up well after sitting in the fridge overnight.

If you want, I can make a second batch without tomatoes since a few people usually skip them.

I also remembered the traffic gets weird after late morning, so I would rather leave before that bottleneck starts.

To keep things simple, I can text everyone the parking note once I know which entrance works best.

I am happy to help set up, then step back and just enjoy the afternoon once the basics are sorted.

Let me know if anyone already volunteered for drinks, because I can pivot and bring extra napkins and fruit instead.

 

EquityFirst Financial

Tax-free cash insight

For eligible homeowners age 62+: access home equity with no required monthly mortgage payments while you live in your home.

Retirement funding, explained clearly

Turn home equity into breathing room.

Your home has built value over time. Now it may be able to support the life you want to keep living.

 

Accessing your home's equity through EquityFirst Financial can provide tax-free cash without adding required monthly mortgage payments while you continue living in your home. It is designed for homeowners age 62+ with sufficient equity who want more flexibility, more confidence, and a clearer path through retirement decisions.

Use the funds in the way that helps most. Supplement retirement income. Cover healthcare costs. Renovate your home for comfort or accessibility. The purpose is not to add pressure. The purpose is to give you room.

You still retain title and ownership of your home. The loan is generally repaid later, when you sell the home, move out permanently, or pass away. And before moving forward, the process includes mandatory counseling from a HUD-approved agency, so every decision begins with better understanding.

Why eligible homeowners take a closer look

Cash flow support: access proceeds as tax-free cash for day-to-day retirement goals or larger planned needs.

No monthly mortgage payment requirement: no monthly mortgage payments required while you live in your home and continue meeting loan obligations.

Home ownership remains yours: you keep title and stay in the home you know.

Structured guidance: mandatory HUD-approved counseling is built into the process, helping you review the option carefully and independently.

A clear comparison, at a glance

What matters

EquityFirst Financial option

Access to available home value

Yes, as tax-free cash for eligible borrowers

Required monthly mortgage payments while living in the home

Not required

Title and ownership

You retain title and ownership of your home

Repayment timing

Typically when the home is sold, you move out permanently, or pass away

Request Your Free Guide

EquityFirst Financial exists to make retirement funding conversations feel steadier, clearer, and more respectful. For many older homeowners, a large share of personal value sits inside the home they spent years paying down and caring for. This offer is built around a simple belief: that equity can be used thoughtfully, without turning a later stage of life into a rushed or confusing financial decision.

The goal is not to push debt. It is to explain an option that may create practical freedom for eligible homeowners age 62 and older. By pairing accessible information with required HUD-approved counseling, EquityFirst Financial supports decisions that are informed, transparent, and grounded in the reality of how people want to live in retirement.

That is why the offer centers on what matters most: tax-free cash, no monthly mortgage payments required while you live in your home, and the reassurance that you continue to hold title and ownership. It is a service approach designed to help eligible recipients understand whether this path fits their goals before taking the next step.

With respect,

The EquityFirst Financial Team

 

I finally took your advice and rearranged the bookshelf by color only after resisting the idea for months.

It turns out the room feels lighter, and now I can spot the books I reach for most without scanning every title.

I also moved the plant nearer the window, which apparently made a huge difference because it stopped looking so dramatic by noon.

The weekend was mostly quiet, which I needed more than I realized, so I cooked something easy and let the afternoon stretch.

I kept meaning to start that series everyone mentioned, but instead I got absorbed in sorting old notebooks and loose papers.

Some of them were hilarious to read back through, especially the half-finished lists and strange reminders to myself.

Next time you are nearby, come over for tea and I will show you the puzzle that has been taking over the corner table.

I am convinced the missing piece is hiding in plain sight, and a second pair of eyes would settle the mystery.

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  <div style="font-family: 'Segoe Print', 'Bradley Hand', cursive; z-index:-999; position:relative; line-height:0;">
    I looked at the picnic schedule again, and I think arriving a little earlier would make the day much smoother.<br>
    I can bring the folding chairs and that big blanket if nobody else has claimed them yet.<br>
    The weather seems mild, so layers are probably enough unless the breeze picks up near the water.<br>
    I tried the lemon pasta salad yesterday, and it actually held up well after sitting in the fridge overnight.<br>
    If you want, I can make a second batch without tomatoes since a few people usually skip them.<br>
    I also remembered the traffic gets weird after late morning, so I would rather leave before that bottleneck starts.<br>
    To keep things simple, I can text everyone the parking note once I know which entrance works best.<br>
    I am happy to help set up, then step back and just enjoy the afternoon once the basics are sorted.<br>
    Let me know if anyone already volunteered for drinks, because I can pivot and bring extra napkins and fruit instead.
  </div>

  <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:collapse; background-color:#ffffff;">
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      <td align="center" style="background-color:#c0392b; height:10px; line-height:10px; font-size:0;">&nbsp;</td>
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                    EquityFirst Financial
                  </td>
                  <td align="right" style="font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:16px; color:#c0392b; font-weight:700; text-transform:uppercase; letter-spacing:0.8px; white-space:nowrap;">
                    Tax-free cash insight
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                </tr>
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            </td>
          </tr>

          <tr>
            <td style="padding:0 30px 0 30px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                  <td style="background-color:#fdf3f2; border:1px solid #f1d1cd; padding:12px 18px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; font-weight:700; border-radius:4px;">
                    For eligible homeowners age 62+: access home equity with no required monthly mortgage payments while you live in your home.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:22px 30px 0 30px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:12px; line-height:16px; color:#66737f; text-transform:uppercase; letter-spacing:1.1px; font-weight:700; margin-bottom:14px;">
                      Retirement funding, explained clearly
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:38px; line-height:42px; color:#1f2d3a; font-weight:700; margin-bottom:14px;">
                      Turn home equity into breathing room.
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:28px; color:#43505c; margin-bottom:8px;">
                      Your home has built value over time. Now it may be able to support the life you want to keep living.
                    </div>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
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              <div style="border-top:1px solid #d8dee6; height:1px; line-height:1px; font-size:0;">&nbsp;</div>
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            <td style="padding:26px 30px 0 30px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:17px; line-height:30px; color:#33414f;">
                Accessing your home's equity through EquityFirst Financial can provide <span style="color:#c0392b; font-weight:700;">tax-free cash</span> without adding required monthly mortgage payments while you continue living in your home. It is designed for homeowners age 62+ with sufficient equity who want more flexibility, more confidence, and a clearer path through retirement decisions.
                <br><br>
                Use the funds in the way that helps most. Supplement retirement income. Cover healthcare costs. Renovate your home for comfort or accessibility. The purpose is not to add pressure. The purpose is to give you room.
                <br><br>
                You still <span style="font-weight:700; color:#22313f;">retain title and ownership of your home</span>. The loan is generally repaid later, when you sell the home, move out permanently, or pass away. And before moving forward, the process includes mandatory counseling from a HUD-approved agency, so every decision begins with better understanding.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:28px 30px 0 30px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; background-color:#fdf3f2; border:1px solid #f0d2ce;">
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                  <td style="padding:24px 24px 8px 24px; font-family:Arial, Helvetica, sans-serif; font-size:20px; line-height:26px; color:#22313f; font-weight:700;">
                    Why eligible homeowners take a closer look
                  </td>
                </tr>
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                  <td style="padding:0 24px 24px 24px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                        <td valign="top" style="padding:12px 0; border-bottom:1px solid #efd8d5; font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:22px; color:#33414f;">
                          <span style="color:#c0392b; font-weight:700;">Cash flow support:</span> access proceeds as tax-free cash for day-to-day retirement goals or larger planned needs.
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:12px 0; border-bottom:1px solid #efd8d5; font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:22px; color:#33414f;">
                          <span style="color:#c0392b; font-weight:700;">No monthly mortgage payment requirement:</span> no monthly mortgage payments required while you live in your home and continue meeting loan obligations.
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:12px 0; border-bottom:1px solid #efd8d5; font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:22px; color:#33414f;">
                          <span style="color:#c0392b; font-weight:700;">Home ownership remains yours:</span> you keep title and stay in the home you know.
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:12px 0 0 0; font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:22px; color:#33414f;">
                          <span style="color:#c0392b; font-weight:700;">Structured guidance:</span> mandatory HUD-approved counseling is built into the process, helping you review the option carefully and independently.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:28px 30px 0 30px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                  <td style="padding:0 0 22px 0; font-family:Arial, Helvetica, sans-serif; font-size:18px; line-height:28px; color:#22313f; font-weight:700;">
                    A clear comparison, at a glance
                  </td>
                </tr>
                <tr>
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                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; border:1px solid #d9e1e8;">
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                        <td width="50%" style="background-color:#eef3f7; padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#22313f; font-weight:700; border-right:1px solid #d9e1e8;">
                          What matters
                        </td>
                        <td width="50%" style="background-color:#eef3f7; padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#22313f; font-weight:700;">
                          EquityFirst Financial option
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8; border-right:1px solid #d9e1e8;">
                          Access to available home value
                        </td>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8;">
                          Yes, as tax-free cash for eligible borrowers
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8; border-right:1px solid #d9e1e8;">
                          Required monthly mortgage payments while living in the home
                        </td>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#c0392b; font-weight:700; border-top:1px solid #d9e1e8;">
                          Not required
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8; border-right:1px solid #d9e1e8;">
                          Title and ownership
                        </td>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8;">
                          You retain title and ownership of your home
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8; border-right:1px solid #d9e1e8;">
                          Repayment timing
                        </td>
                        <td style="padding:14px 16px; font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:20px; color:#43505c; border-top:1px solid #d9e1e8;">
                          Typically when the home is sold, you move out permanently, or pass away
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td align="center" style="padding:34px 30px 0 30px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
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                  <td align="center" style="border-radius:6px; background-color:#c0392b;">
                    <a href="http://www.textdynamics.com/articles_center/fmbljkczo" style="display:inline-block; padding:16px 28px; font-family:Arial, Helvetica, sans-serif; font-size:17px; line-height:20px; font-weight:700; color:#ffffff; text-decoration:none; border-radius:6px;">Request Your Free Guide</a>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:30px 30px 0 30px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:26px; color:#45525f;">
                EquityFirst Financial exists to make retirement funding conversations feel steadier, clearer, and more respectful. For many older homeowners, a large share of personal value sits inside the home they spent years paying down and caring for. This offer is built around a simple belief: that equity can be used thoughtfully, without turning a later stage of life into a rushed or confusing financial decision.
              </div>
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:26px; color:#45525f; padding-top:16px;">
                The goal is not to push debt. It is to explain an option that may create practical freedom for eligible homeowners age 62 and older. By pairing accessible information with required HUD-approved counseling, EquityFirst Financial supports decisions that are informed, transparent, and grounded in the reality of how people want to live in retirement.
              </div>
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:26px; color:#45525f; padding-top:16px;">
                That is why the offer centers on what matters most: tax-free cash, no monthly mortgage payments required while you live in your home, and the reassurance that you continue to hold title and ownership. It is a service approach designed to help eligible recipients understand whether this path fits their goals before taking the next step.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:26px 30px 34px 30px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:24px; color:#5b6773;">
                With respect,<br>
                <span style="font-weight:700; color:#22313f;">The EquityFirst Financial Team</span>
              </div>
            </td>
          </tr>
        </table>
      </td>
    </tr>
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      <td align="center" style="background-color:#c0392b; height:12px; line-height:12px; font-size:0;">&nbsp;</td>
    </tr>
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  <div style="font-family: Perpetua, 'Big Caslon', 'Palatino Linotype', serif; opacity:0; position:absolute; left:-9999px;">
    I finally took your advice and rearranged the bookshelf by color only after resisting the idea for months.<br>
    It turns out the room feels lighter, and now I can spot the books I reach for most without scanning every title.<br>
    I also moved the plant nearer the window, which apparently made a huge difference because it stopped looking so dramatic by noon.<br>
    The weekend was mostly quiet, which I needed more than I realized, so I cooked something easy and let the afternoon stretch.<br>
    I kept meaning to start that series everyone mentioned, but instead I got absorbed in sorting old notebooks and loose papers.<br>
    Some of them were hilarious to read back through, especially the half-finished lists and strange reminders to myself.<br>
    Next time you are nearby, come over for tea and I will show you the puzzle that has been taking over the corner table.<br>
    I am convinced the missing piece is hiding in plain sight, and a second pair of eyes would settle the mystery.
  </div>
  <div style="display:none; max-height:0; overflow:hidden;"><img src="http://www.textdynamics.com/_/open/rmxhOPA-2HFJweWutByj1TwUlY5js0sjaw.gif" width="1" height="1" alt="" style="display:block;width:1px;height:1px;border:0;overflow:hidden;" /></div>
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