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From: Colin R <colinr@sweetcloth.com>
Subject: Get paid by your home
To: bruce@untroubled.org
Date: Mon, 30 Mar 2026 20:02:00 -0400
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EquityFirst Financial

 

For homeowners age 62+ with sufficient equity: learn how home equity may support retirement flexibility.

EquityFirst Financial

Retirement flexibility with confidence

A clearer path to cash flow

Your home has worked for you.
Now it may help fund what comes next.

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

62+

Eligibility starts here

Designed for homeowners who want flexibility, not pressure.

If you are age 62 or older and have substantial home equity, this solution may help convert part of that value into cash you can use on your terms—while continuing to live in the home you know and love.

Use funds where life needs them most.

Many homeowners explore this option to supplement retirement income, address healthcare expenses, or renovate the home for greater comfort and accessibility.

It is a strategic source of liquidity designed to support independence, stability, and everyday peace of mind.

$

Tax-free cash access

0

Required monthly mortgage payments

Keep your title. Keep your ownership. Keep living at home.

You remain the owner of your home. The loan typically becomes due when the home is sold, the borrower moves out permanently, or passes away. As part of the process, mandatory counseling with a HUD-approved agency helps ensure the option is understood clearly and responsibly.

What the guide covers

Straight answers, presented clearly.

— How eligibility is determined for homeowners age 62+

— Ways tax-free cash may be used across retirement needs

— How repayment generally works over time

— What to expect from counseling and the consultation process

Request Your Free Guide

No-obligation information guide and consultation.

 

At EquityFirst Financial, the belief behind this offer is simple: retirement planning should reflect the life already built, not force unnecessary tradeoffs. For many homeowners, a large share of long-term wealth sits quietly in the home. Creating a guided way to access that value is one more way to support greater financial control in later years.

The EquityFirst Financial approach is grounded in clarity, dignity, and careful education. That is why the consultation process is designed to be informative rather than rushed, with room to understand eligibility, ownership, repayment triggers, and HUD-approved counseling before any decision is made.

Accessing your home's equity as tax-free cash with no monthly mortgage payments required while you live in your home is not about borrowing for the sake of borrowing. It is about helping make retirement feel more usable, flexible, and secure—so the home that supported your past may continue supporting your future.

Consult your financial and tax advisors to determine whether this option is appropriate for your circumstances.

EquityFirst Financial  •  Professional retirement solutions for qualified homeowners

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      <td style="background-color:#c8a951; height:10px; line-height:10px; font-size:0;">&nbsp;</td>
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              For homeowners age 62+ with sufficient equity: learn how home equity may support retirement flexibility.
            </td>
          </tr>

          <tr>
            <td style="background-color:#1a2952; padding:34px 20px; text-align:center;">
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:34px; line-height:38px; font-weight:bold; letter-spacing:0.8px; color:#ffffff;">
                EquityFirst Financial
              </div>
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:18px; color:#cfd7ea; padding-top:10px; letter-spacing:1.2px; text-transform:uppercase;">
                Retirement flexibility with confidence
              </div>
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            <td style="background-color:#ffffff; padding:34px 34px 14px 34px;">
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:12px; line-height:16px; font-weight:bold; letter-spacing:1.4px; text-transform:uppercase; color:#c8a951; padding-bottom:14px;">
                A clearer path to cash flow
              </div>
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:36px; line-height:42px; font-weight:bold; color:#1a2952; padding-bottom:14px;">
                Your home has worked for you.<br />Now it may help fund what comes next.
              </div>
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:18px; line-height:29px; color:#425166; max-width:560px;">
                Access your home's equity as <span style="color:#1a2952; font-weight:bold;">tax-free cash</span> with <span style="color:#1a2952; font-weight:bold;">no monthly mortgage payments required while you live in your home.</span>
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:10px 34px 0 34px; background-color:#ffffff;">

              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                <tr>
                  <td valign="top" width="30%" style="padding:0 18px 24px 0;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; background-color:#1a2952; border-radius:18px;">
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                          <div style="font-size:38px; line-height:38px; color:#c8a951; font-weight:bold;">62+</div>
                          <div style="font-size:12px; line-height:17px; color:#ffffff; padding-top:8px; letter-spacing:0.6px; text-transform:uppercase;">
                            Eligibility starts here
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                  <td valign="top" width="70%" style="padding:0 0 24px 0;">
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:23px; line-height:30px; font-weight:bold; color:#1a2952; padding-bottom:8px;">
                      Designed for homeowners who want flexibility, not pressure.
                    </div>
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:16px; line-height:27px; color:#49576d;">
                      If you are age 62 or older and have substantial home equity, this solution may help convert part of that value into cash you can use on your terms—while continuing to live in the home you know and love.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td valign="top" width="70%" style="padding:0 18px 24px 0;" colspan="1">
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:23px; line-height:30px; font-weight:bold; color:#1a2952; padding-bottom:8px;">
                      Use funds where life needs them most.
                    </div>
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:16px; line-height:27px; color:#49576d; padding-bottom:10px;">
                      Many homeowners explore this option to supplement retirement income, address healthcare expenses, or renovate the home for greater comfort and accessibility.
                    </div>
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:16px; line-height:27px; color:#49576d;">
                      It is a strategic source of liquidity designed to support independence, stability, and everyday peace of mind.
                    </div>
                  </td>
                  <td valign="top" width="30%" style="padding:0 0 24px 0;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; background-color:#f8f6ef; border:1px solid #e2dccb; border-radius:18px;">
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                        <td style="padding:22px 16px; text-align:center; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif;">
                          <div style="font-size:34px; line-height:34px; color:#1a2952; font-weight:bold;">$</div>
                          <div style="font-size:12px; line-height:17px; color:#556275; padding-top:8px; text-transform:uppercase; letter-spacing:0.6px;">
                            Tax-free cash access
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td valign="top" width="30%" style="padding:0 18px 10px 0;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; background-color:#c8a951; border-radius:18px;">
                      <tr>
                        <td style="padding:24px 14px; text-align:center; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif;">
                          <div style="font-size:34px; line-height:34px; color:#1a2952; font-weight:bold;">0</div>
                          <div style="font-size:12px; line-height:17px; color:#1a2952; padding-top:8px; text-transform:uppercase; letter-spacing:0.6px; font-weight:bold;">
                            Required monthly mortgage payments
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                  <td valign="top" width="70%" style="padding:0 0 10px 0;">
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:23px; line-height:30px; font-weight:bold; color:#1a2952; padding-bottom:8px;">
                      Keep your title. Keep your ownership. Keep living at home.
                    </div>
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:16px; line-height:27px; color:#49576d;">
                      You remain the owner of your home. The loan typically becomes due when the home is sold, the borrower moves out permanently, or passes away. As part of the process, mandatory counseling with a HUD-approved agency helps ensure the option is understood clearly and responsibly.
                    </div>
                  </td>
                </tr>
              </table>

            </td>
          </tr>

          <tr>
            <td style="padding:22px 34px 0 34px; background-color:#ffffff;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; background-color:#f8f6ef; border:1px solid #e4dece; border-radius:20px;">
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                  <td style="padding:26px 26px 16px 26px;">
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:18px; font-weight:bold; letter-spacing:1.2px; text-transform:uppercase; color:#c8a951; padding-bottom:10px;">
                      What the guide covers
                    </div>
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:24px; line-height:31px; font-weight:bold; color:#1a2952; padding-bottom:12px;">
                      Straight answers, presented clearly.
                    </div>

                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                      <tr>
                        <td valign="top" style="padding:8px 0; font-size:16px; line-height:26px; color:#49576d;">
                          <span style="color:#c8a951; font-weight:bold;">—</span> How eligibility is determined for homeowners age 62+
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:8px 0; font-size:16px; line-height:26px; color:#49576d;">
                          <span style="color:#c8a951; font-weight:bold;">—</span> Ways tax-free cash may be used across retirement needs
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:8px 0; font-size:16px; line-height:26px; color:#49576d;">
                          <span style="color:#c8a951; font-weight:bold;">—</span> How repayment generally works over time
                        </td>
                      </tr>
                      <tr>
                        <td valign="top" style="padding:8px 0 2px 0; font-size:16px; line-height:26px; color:#49576d;">
                          <span style="color:#c8a951; font-weight:bold;">—</span> What to expect from counseling and the consultation process
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
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          <tr>
            <td align="center" style="padding:30px 34px 20px 34px; background-color:#ffffff;">
              <a href="http://www.sweetcloth.com/continue/cnxhgwniomw" style="display:inline-block; background-color:#1a2952; color:#ffffff; text-decoration:none; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:17px; line-height:17px; font-weight:bold; padding:18px 34px; border-radius:999px; border:2px solid #1a2952;">
                Request Your Free Guide
              </a>
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:20px; color:#667387; padding-top:14px;">
                No-obligation information guide and consultation.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:8px 34px 10px 34px; background-color:#ffffff;">
              <div style="height:1px; line-height:1px; font-size:0; background-color:#d8ddead;">&nbsp;</div>
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              <p style="margin:0 0 16px 0; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:26px; color:#4b596f;">
                At EquityFirst Financial, the belief behind this offer is simple: retirement planning should reflect the life already built, not force unnecessary tradeoffs. For many homeowners, a large share of long-term wealth sits quietly in the home. Creating a guided way to access that value is one more way to support greater financial control in later years.
              </p>
              <p style="margin:0 0 16px 0; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:26px; color:#4b596f;">
                The EquityFirst Financial approach is grounded in clarity, dignity, and careful education. That is why the consultation process is designed to be informative rather than rushed, with room to understand eligibility, ownership, repayment triggers, and HUD-approved counseling before any decision is made.
              </p>
              <p style="margin:0 0 16px 0; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:26px; color:#4b596f;">
                Accessing your home's equity as tax-free cash with no monthly mortgage payments required while you live in your home is not about borrowing for the sake of borrowing. It is about helping make retirement feel more usable, flexible, and secure—so the home that supported your past may continue supporting your future.
              </p>
            </td>
          </tr>

          <tr>
            <td style="padding:8px 34px 34px 34px; background-color:#ffffff; text-align:center;">
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:21px; color:#6d7888;">
                Consult your financial and tax advisors to determine whether this option is appropriate for your circumstances.
              </div>
            </td>
          </tr>

          <tr>
            <td style="background-color:#1a2952; padding:18px 24px; text-align:center;">
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:12px; line-height:18px; color:#d2d9e8;">
                EquityFirst Financial &nbsp;&bull;&nbsp; Professional retirement solutions for qualified homeowners
              </div>
            </td>
          </tr>

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