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Subject: Your Home May Be Paying You
From: ColinRivera <colinrivera@popularcell.com>
Message-ID: <4551664pih6cvhkpd8e0bgg7d8ie7ylhlasydp@popularcell.com>
Date: Tue, 31 Mar 2026 20:54:28 -0400
To: bruce@untroubled.org
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EquityFirst Financial

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

EquityFirst Financial

For homeowners age 62+

Dear Homeowner,

Your home may be able to provide tax-free cash for retirement.

I’m reaching out from EquityFirst Financial because many eligible homeowners are surprised to learn they may be able to convert part of their home’s equity into usable funds — with no required monthly mortgage payments while they continue living in the home.

Use funds in the way that fits your life

Support retirement income, cover healthcare expenses, update your home, or simply create more breathing room in your finances.

Keep the home in your name

You retain title and ownership of your home, which helps keep this option grounded in flexibility and control.

Repayment happens later, not monthly

The loan is generally repaid when the home is sold, when you move out permanently, or when the last borrower passes away.

Guidance is built into the process

A session with a HUD-approved counseling agency is required, helping ensure the decision is reviewed carefully and with confidence.

If you are age 62 or older and have sufficient home equity, this may be worth a closer look. A short guide can help explain how it works, what to expect, and whether it may fit your broader retirement goals.

Get Your Free Guide

At EquityFirst Financial, the purpose behind this offer is straightforward: homeowners who have spent decades building value in their homes deserve a clear, respectful way to understand whether that equity can now support the life they want to lead. This is not about pressure. It is about education, options, and a thoughtful path forward.

The EquityFirst Financial approach is grounded in the belief that retirement planning should reflect real-life needs. For some, that means creating a more dependable cash cushion. For others, it means staying comfortable in the home they love while gaining added flexibility for healthcare, home updates, or day-to-day expenses.

That is why EquityFirst Financial presents this option in a service-focused way: clearly explaining that access to tax-free cash and the absence of monthly mortgage payments while you live in your home can be meaningful benefits, while also emphasizing informed review, eligibility requirements, and the counseling process designed to help you decide with confidence.

Sincerely,

The EquityFirst Financial Team

For qualified homeowners age 62+ with sufficient home equity. Review all terms carefully before making any financial decision.

EquityFirst Financial  |  Retirement solutions designed to inform and support

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    Access your home's equity as tax-free cash with no monthly mortgage payments required while you live in your home.
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  <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, #2e4482 0%, #2e4482 48%, #eef1fa 48%, #eef1fa 100%);">
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                    EquityFirst Financial
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                    <div style="font-size:12px; line-height:16px; font-weight:700; letter-spacing:1.2px; text-transform:uppercase; color:#9a5b2e; margin-bottom:14px;">
                      For homeowners age 62+
                    </div>
                    <div style="font-size:18px; line-height:28px; color:#23314f; margin-bottom:16px;">
                      Dear Homeowner,
                    </div>
                    <div style="font-size:34px; line-height:40px; font-weight:700; color:#1e2f5f; margin-bottom:16px;">
                      Your home may be able to provide tax-free cash for retirement.
                    </div>
                    <div style="font-size:18px; line-height:30px; color:#41516f; margin-bottom:8px;">
                      I’m reaching out from EquityFirst Financial because many eligible homeowners are surprised to learn they may be able to convert part of their home’s equity into usable funds — <span style="font-weight:700; color:#1e2f5f;">with no required monthly mortgage payments while they continue living in the home.</span>
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:8px 28px 8px 28px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:separate; border-spacing:0 14px;">
                      <tr>
                        <td style="background-color:#eef1fa; border-left:4px solid #2e4482; border-radius:10px; padding:16px 18px; font-family:Arial, Helvetica, sans-serif;">
                          <div style="font-size:19px; line-height:26px; font-weight:700; color:#2e4482; margin-bottom:4px;">Use funds in the way that fits your life</div>
                          <div style="font-size:15px; line-height:24px; color:#42506a;">Support retirement income, cover healthcare expenses, update your home, or simply create more breathing room in your finances.</div>
                        </td>
                      </tr>
                      <tr>
                        <td style="background-color:#f9f7f2; border-left:4px solid #9a5b2e; border-radius:10px; padding:16px 18px; font-family:Arial, Helvetica, sans-serif;">
                          <div style="font-size:19px; line-height:26px; font-weight:700; color:#2e4482; margin-bottom:4px;">Keep the home in your name</div>
                          <div style="font-size:15px; line-height:24px; color:#42506a;">You retain title and ownership of your home, which helps keep this option grounded in flexibility and control.</div>
                        </td>
                      </tr>
                      <tr>
                        <td style="background-color:#eef1fa; border-left:4px solid #3d5a99; border-radius:10px; padding:16px 18px; font-family:Arial, Helvetica, sans-serif;">
                          <div style="font-size:19px; line-height:26px; font-weight:700; color:#2e4482; margin-bottom:4px;">Repayment happens later, not monthly</div>
                          <div style="font-size:15px; line-height:24px; color:#42506a;">The loan is generally repaid when the home is sold, when you move out permanently, or when the last borrower passes away.</div>
                        </td>
                      </tr>
                      <tr>
                        <td style="background-color:#f9f7f2; border-left:4px solid #c07a42; border-radius:10px; padding:16px 18px; font-family:Arial, Helvetica, sans-serif;">
                          <div style="font-size:19px; line-height:26px; font-weight:700; color:#2e4482; margin-bottom:4px;">Guidance is built into the process</div>
                          <div style="font-size:15px; line-height:24px; color:#42506a;">A session with a HUD-approved counseling agency is required, helping ensure the decision is reviewed carefully and with confidence.</div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:12px 28px 8px 28px; font-family:Arial, Helvetica, sans-serif;">
                    <div style="font-size:16px; line-height:26px; color:#42506a;">
                      If you are age 62 or older and have sufficient home equity, this may be worth a closer look. A short guide can help explain how it works, what to expect, and whether it may fit your broader retirement goals.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td align="left" style="padding:22px 28px 20px 28px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
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                          <a href="http://www.popularcell.com/story-directory/px6jsh08r8oy" style="display:inline-block; font-family:Arial, Helvetica, sans-serif; font-size:17px; line-height:17px; font-weight:700; color:#ffffff; text-decoration:none; padding:16px 26px; border:1px solid #2e4482; border-radius:8px;">
                            Get Your Free Guide
                          </a>
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                      </tr>
                    </table>
                  </td>
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                  <td style="padding:4px 28px 10px 28px; font-family:Arial, Helvetica, sans-serif;">
                    <div style="font-size:15px; line-height:25px; color:#55627c; margin-bottom:14px;">
                      At EquityFirst Financial, the purpose behind this offer is straightforward: homeowners who have spent decades building value in their homes deserve a clear, respectful way to understand whether that equity can now support the life they want to lead. This is not about pressure. It is about education, options, and a thoughtful path forward.
                    </div>
                    <div style="font-size:15px; line-height:25px; color:#55627c; margin-bottom:14px;">
                      The EquityFirst Financial approach is grounded in the belief that retirement planning should reflect real-life needs. For some, that means creating a more dependable cash cushion. For others, it means staying comfortable in the home they love while gaining added flexibility for healthcare, home updates, or day-to-day expenses.
                    </div>
                    <div style="font-size:15px; line-height:25px; color:#55627c;">
                      That is why EquityFirst Financial presents this option in a service-focused way: clearly explaining that access to tax-free cash and the absence of monthly mortgage payments while you live in your home can be meaningful benefits, while also emphasizing informed review, eligibility requirements, and the counseling process designed to help you decide with confidence.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:18px 28px 28px 28px; font-family:Arial, Helvetica, sans-serif; border-top:1px solid #e3e8f3;">
                    <div style="font-size:15px; line-height:25px; color:#23314f; margin-bottom:10px;">
                      Sincerely,
                    </div>
                    <div style="font-size:15px; line-height:25px; color:#23314f; font-weight:700; margin-bottom:8px;">
                      The EquityFirst Financial Team
                    </div>
                    <div style="font-size:12px; line-height:20px; color:#6a7488;">
                      For qualified homeowners age 62+ with sufficient home equity. Review all terms carefully before making any financial decision.
                    </div>
                  </td>
                </tr>

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              <div style="font-size:11px; line-height:18px; color:#707a90;">
                EquityFirst Financial &nbsp;|&nbsp; Retirement solutions designed to inform and support
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