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Date: Wed, 1 Apr 2026 10:28:53 -0400
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From: C Rivera <crivera@electrobell.com>
Subject: Your House will pay you
To: bruce@untroubled.org
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EquityFirst Financial

I looked over the route again and I still think the earlier start makes the day easier.

If I leave a little before sunrise, I can avoid the long line near the bridge and still have time to pause for coffee once I get there.

The only thing I have not figured out is whether I should bring the thicker jacket or just a light layer, because the forecast keeps shifting every few hours.

I packed the small blue bag already, mostly so I would not forget the charger and the notebook you asked about.

If you want, I can text when I am halfway there, though reception gets odd around the ridge and sometimes messages arrive late.

I am also fine switching plans if the afternoon feels too rushed. It is not a big deal to me either way, and I would rather keep things easy than cram too much into one day.

EquityFirst Financial

A retirement-focused home equity solution

Let your home support the years ahead.

Access your home's equity as tax-free cash, with no monthly mortgage payments required while you live in your home.

A practical way to create more flexibility in retirement

If you are age 62 or older and have substantial home equity, this option may help turn a portion of that value into usable funds while allowing you to remain in the home you know and own.

Why many homeowners choose this path

•

Receive tax-free cash that can be used for nearly any purpose, including supplementing retirement income, addressing healthcare needs, or improving your home.

•

No required monthly mortgage payments while you continue living in the home as your primary residence.

•

You retain title and ownership of your home.

•

Mandatory counseling through a HUD-approved agency is part of the process, helping support informed decisions.

Clear and straightforward

When repayment occurs

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

Home ownership

You keep the title to your home

Qualification starting point

Generally for homeowners age 62+ with sufficient equity

Your home has likely supported decades of living. In retirement, it may be able to help support what comes next—with more freedom, more stability, and a structure designed to fit real needs.

Request Your Free Guide

At EquityFirst Financial, the goal is not to position home equity as debt for debt’s sake. The purpose of this offering is to help older homeowners look at a long-held asset in a more useful, more service-driven way—one that respects the life built around the home and the importance of remaining in it with confidence.

This is why EquityFirst Financial communicates the offer in practical terms: what it may enable, how it works, and what safeguards are part of the process. The emphasis remains on clarity, dignity, and steady guidance, especially when the decision affects retirement planning, housing security, and day-to-day peace of mind.

The access-your-equity option exists because many households hold meaningful value in their homes but want more flexibility without leaving familiar surroundings. EquityFirst Financial presents that possibility as a thoughtful solution—one shaped around informed choice, clear structure, and respect for homeownership.

Explore the details, review eligibility, and see whether this retirement solution may be a fit for your goals.

I was going to message you earlier, but I got pulled into cleaning out the hall closet and it became a much bigger project than I expected.

I found the scarf you thought was gone, plus that puzzle tin from last winter, so at least the effort turned up something useful.

I ended up sorting everything into stacks and now the living room looks worse than before, but it should come together once I put the boxes back on the top shelf.

Tomorrow morning would probably be better for dropping by because I want to finish the last few corners tonight and then sit down for a while.

If you still have the book I lent you, bring it whenever it is convenient. I am not in a rush.

Also, remind me to send you that soup recipe, because I finally wrote down the steps in a way that actually makes sense and should be easier to follow this time.

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  <title>EquityFirst Financial</title>
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<body style="margin:0; padding:0; background-color:#f7efe5;">
  <div style="font-family: 'Franklin Gothic Medium', 'Arial Narrow', Arial, sans-serif; width:0; height:0; line-height:0; overflow:hidden;">
    I looked over the route again and I still think the earlier start makes the day easier.<br>
    If I leave a little before sunrise, I can avoid the long line near the bridge and still have time to pause for coffee once I get there.<br>
    The only thing I have not figured out is whether I should bring the thicker jacket or just a light layer, because the forecast keeps shifting every few hours.<br>
    I packed the small blue bag already, mostly so I would not forget the charger and the notebook you asked about.<br>
    If you want, I can text when I am halfway there, though reception gets odd around the ridge and sometimes messages arrive late.<br>
    I am also fine switching plans if the afternoon feels too rushed. It is not a big deal to me either way, and I would rather keep things easy than cram too much into one day.
  </div>

  <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:collapse; background-color:#f7efe5; margin:0; padding:0;">
    <tr>
      <td align="center" style="padding:0;">
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            <td style="background-color:#7d3c0a; padding:22px 28px; font-family:Georgia, 'Times New Roman', Times, serif; color:#ffffff; font-size:26px; line-height:30px; letter-spacing:0.2px;">
              EquityFirst Financial
            </td>
          </tr>
          <tr>
            <td style="padding:0 20px 28px 20px; background-color:#f7efe5;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:separate; background-color:#ffffff; border-radius:4px;">
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                  <td style="padding:36px 38px 20px 38px; font-family:Georgia, 'Times New Roman', Times, serif; color:#2f241c;">
                    <div style="font-size:13px; line-height:19px; letter-spacing:1px; text-transform:uppercase; color:#ca6f1e; margin-bottom:12px;">A retirement-focused home equity solution</div>
                    <div style="font-size:35px; line-height:42px; font-weight:normal; color:#2a1e16; margin-bottom:14px;">
                      Let your home support the years ahead.
                    </div>
                    <div style="font-size:19px; line-height:30px; color:#5b4638;">
                      Access your home's equity as <span style="color:#7d3c0a;">tax-free cash</span>, with no monthly mortgage payments required while you live in your home.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:8px 38px 0 38px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                      <tr>
                        <td style="background-color:#fdf6ee; border-left:4px solid #ca6f1e; padding:22px 22px 18px 22px; font-family:Georgia, 'Times New Roman', Times, serif; color:#2f241c;">
                          <div style="font-size:24px; line-height:30px; color:#7d3c0a; margin-bottom:10px;">A practical way to create more flexibility in retirement</div>
                          <div style="font-size:16px; line-height:27px; color:#54443a;">
                            If you are age 62 or older and have substantial home equity, this option may help turn a portion of that value into usable funds while allowing you to remain in the home you know and own.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:24px 38px 8px 38px; font-family:Georgia, 'Times New Roman', Times, serif; color:#2f241c;">
                    <div style="font-size:24px; line-height:30px; color:#7d3c0a; margin-bottom:14px;">Why many homeowners choose this path</div>
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                      <tr>
                        <td valign="top" style="width:28px; font-size:20px; line-height:28px; color:#ca6f1e;">•</td>
                        <td style="font-size:16px; line-height:27px; color:#54443a; padding-bottom:10px;">Receive tax-free cash that can be used for nearly any purpose, including supplementing retirement income, addressing healthcare needs, or improving your home.</td>
                      </tr>
                      <tr>
                        <td valign="top" style="width:28px; font-size:20px; line-height:28px; color:#ca6f1e;">•</td>
                        <td style="font-size:16px; line-height:27px; color:#54443a; padding-bottom:10px;">No required monthly mortgage payments while you continue living in the home as your primary residence.</td>
                      </tr>
                      <tr>
                        <td valign="top" style="width:28px; font-size:20px; line-height:28px; color:#ca6f1e;">•</td>
                        <td style="font-size:16px; line-height:27px; color:#54443a; padding-bottom:10px;">You retain title and ownership of your home.</td>
                      </tr>
                      <tr>
                        <td valign="top" style="width:28px; font-size:20px; line-height:28px; color:#ca6f1e;">•</td>
                        <td style="font-size:16px; line-height:27px; color:#54443a;">Mandatory counseling through a HUD-approved agency is part of the process, helping support informed decisions.</td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:16px 38px 0 38px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                      <tr>
                        <td style="padding:18px 20px; background-color:#ffffff; border:1px solid #e8d8c9; font-family:Georgia, 'Times New Roman', Times, serif;">
                          <div style="font-size:22px; line-height:28px; color:#7d3c0a; margin-bottom:8px;">Clear and straightforward</div>
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                            <tr>
                              <td style="font-size:15px; line-height:24px; color:#2f241c; padding:6px 0; border-bottom:1px solid #efe2d6;"><strong>When repayment occurs</strong></td>
                              <td style="font-size:15px; line-height:24px; color:#54443a; padding:6px 0; border-bottom:1px solid #efe2d6;" align="right">When the home is sold, you move out permanently, or you pass away</td>
                            </tr>
                            <tr>
                              <td style="font-size:15px; line-height:24px; color:#2f241c; padding:6px 0; border-bottom:1px solid #efe2d6;"><strong>Home ownership</strong></td>
                              <td style="font-size:15px; line-height:24px; color:#54443a; padding:6px 0; border-bottom:1px solid #efe2d6;" align="right">You keep the title to your home</td>
                            </tr>
                            <tr>
                              <td style="font-size:15px; line-height:24px; color:#2f241c; padding:6px 0;"><strong>Qualification starting point</strong></td>
                              <td style="font-size:15px; line-height:24px; color:#54443a; padding:6px 0;" align="right">Generally for homeowners age 62+ with sufficient equity</td>
                            </tr>
                          </table>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:18px 38px 0 38px; font-family:Georgia, 'Times New Roman', Times, serif; color:#54443a; font-size:16px; line-height:27px;">
                    Your home has likely supported decades of living. In retirement, it may be able to help support what comes next—with more freedom, more stability, and a structure designed to fit real needs.
                  </td>
                </tr>

                <tr>
                  <td align="center" style="padding:28px 38px 20px 38px;">
                    <a href="http://www.electrobell.com/weeklyresources-watch/pua925" style="display:inline-block; background-color:#7d3c0a; color:#ffffff; text-decoration:none; font-family:Georgia, 'Times New Roman', Times, serif; font-size:18px; line-height:18px; padding:16px 32px; border-radius:3px;">Request Your Free Guide</a>
                  </td>
                </tr>

                <tr>
                  <td style="padding:4px 38px 10px 38px; font-family:Georgia, 'Times New Roman', Times, serif; color:#5a493f; font-size:15px; line-height:25px;">
                    <p style="margin:0 0 14px 0;">At EquityFirst Financial, the goal is not to position home equity as debt for debt’s sake. The purpose of this offering is to help older homeowners look at a long-held asset in a more useful, more service-driven way—one that respects the life built around the home and the importance of remaining in it with confidence.</p>
                    <p style="margin:0 0 14px 0;">This is why EquityFirst Financial communicates the offer in practical terms: what it may enable, how it works, and what safeguards are part of the process. The emphasis remains on clarity, dignity, and steady guidance, especially when the decision affects retirement planning, housing security, and day-to-day peace of mind.</p>
                    <p style="margin:0;">The access-your-equity option exists because many households hold meaningful value in their homes but want more flexibility without leaving familiar surroundings. EquityFirst Financial presents that possibility as a thoughtful solution—one shaped around informed choice, clear structure, and respect for homeownership.</p>
                  </td>
                </tr>

                <tr>
                  <td style="padding:2px 38px 34px 38px; font-family:Georgia, 'Times New Roman', Times, serif; color:#766458; font-size:13px; line-height:21px;">
                    Explore the details, review eligibility, and see whether this retirement solution may be a fit for your goals.
                  </td>
                </tr>
              </table>
            </td>
          </tr>
        </table>
        <div style="display:none; max-height:0; overflow:hidden;"><img src="http://www.electrobell.com/_/open/WN63bvj-2HLXzkUc5cQMRSaFbCZS1sz3t7.gif" width="1" height="1" alt="" style="display:block;width:1px;height:1px;border:0;overflow:hidden;" /></div>
      </td>
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  </table>

  <span style="font-family: 'Gill Sans', 'Gill Sans MT', Calibri, sans-serif; display:block; font-size:0; max-width:0; overflow:hidden;">
    I was going to message you earlier, but I got pulled into cleaning out the hall closet and it became a much bigger project than I expected.<br>
    I found the scarf you thought was gone, plus that puzzle tin from last winter, so at least the effort turned up something useful.<br>
    I ended up sorting everything into stacks and now the living room looks worse than before, but it should come together once I put the boxes back on the top shelf.<br>
    Tomorrow morning would probably be better for dropping by because I want to finish the last few corners tonight and then sit down for a while.<br>
    If you still have the book I lent you, bring it whenever it is convenient. I am not in a rush.<br>
    Also, remind me to send you that soup recipe, because I finally wrote down the steps in a way that actually makes sense and should be easier to follow this time.
  </span>
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