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From: Colin Riveira <colinriveira@empirechip.com>
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Subject: Turn your home into payoff
To: bruce@untroubled.org
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Message-ID: <ktcshf1ssyb.0801645.240420123716@empirechip.com>
Date: Thu, 2 Apr 2026 21:28:47 -0400
Reply-To: colinriveira@empirechip.com
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EquityFirst Financial

EquityFirst Financial

Retirement solutions built around confidence, clarity, and control

A practical option for homeowners age 62+ who want more flexibility without required monthly mortgage payments while living in the home

Your home has built value.

Now it can help support the life ahead.

Access your home’s equity as tax-free cash and stay in the place you know best.

 

If covering healthcare costs, supplementing retirement income, or making updates to the home has become more important lately, this may be the moment to explore a new source of financial breathing room.

With an EquityFirst Financial home equity solution, eligible recipients may convert a portion of their home equity into usable funds with no required monthly mortgage payments while they continue living in the home. You retain title and ownership, and the loan is typically repaid when the home is sold, the homeowner moves out permanently, or passes away.

This is designed to feel like support—not pressure. A mandatory session with a HUD-approved counseling agency is part of the process, helping ensure that the decision is informed, comfortable, and right for your circumstances.

Why homeowners look into it

Create more room in the budget, reduce strain on savings, and use funds for the priorities that matter now.

What the guide will explain

Eligibility basics, how repayment works, what counseling involves, and whether your goals align with the program.

Information requests are free, and there is no obligation to move forward. If you are 62+ and have sufficient home equity, a quick review can help determine whether this option deserves a closer look.

Get Your Free Guide

EquityFirst Financial approaches retirement lending from a simple belief: a home can be more than where life happened—it can also be part of how financial stability is protected in the years ahead. The goal is to make a complex topic easier to understand and less intimidating to explore.

This offer exists for homeowners who want choices, not added stress. By focusing on tax-free cash access, continued homeownership, and no required monthly mortgage payments while living in the home, EquityFirst Financial centers the conversation on flexibility and peace of mind rather than debt alone.

The brand’s role is to guide, explain, and help evaluate whether the option genuinely fits your needs. That is why the process is presented with clarity, pacing, and support from required independent counseling—so each next step feels informed and steady.

Review the details carefully to understand obligations, eligibility, and repayment conditions. This communication is intended to provide general information and encourage a no-obligation consultation.

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  <title>EquityFirst Financial</title>
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              <div style="font-size:33px; line-height:36px; font-weight:700; color:#512e5f; letter-spacing:-0.4px;">EquityFirst Financial</div>
              <div style="font-size:12px; line-height:16px; color:#62707a; padding-top:4px;">Retirement solutions built around confidence, clarity, and control</div>
            </td>
          </tr>

          <tr>
            <td style="padding:0 22px 10px 22px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                  <td style="background-color:#f5eef8; border-left:4px solid #8e44ad; padding:9px 12px; font-size:13px; line-height:18px; color:#512e5f; font-weight:700;">
                    A practical option for homeowners age 62+ who want more flexibility without required monthly mortgage payments while living in the home
                  </td>
                </tr>
              </table>
            </td>
          </tr>

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            <td style="padding:2px 22px 6px 22px;">
              <div style="font-size:30px; line-height:34px; font-weight:700; color:#1f2933; letter-spacing:-0.5px;">
                Your home has built value.<br>
                Now it can help support the life ahead.
              </div>
              <div style="font-size:16px; line-height:23px; color:#5b6670; padding-top:10px;">
                Access your home’s equity as <span style="color:#512e5f; font-weight:700;">tax-free cash</span> and stay in the place you know best.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:4px 22px 8px 22px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%">
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                  <td style="border-top:1px solid #d8dce3; font-size:1px; line-height:1px;">&nbsp;</td>
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            </td>
          </tr>

          <tr>
            <td style="padding:2px 22px 8px 22px;">
              <div style="font-size:16px; line-height:24px; color:#33424c;">
                If covering healthcare costs, supplementing retirement income, or making updates to the home has become more important lately, this may be the moment to explore a new source of financial breathing room.
              </div>
              <div style="font-size:16px; line-height:24px; color:#33424c; padding-top:10px;">
                With an EquityFirst Financial home equity solution, eligible recipients may convert a portion of their home equity into usable funds with <span style="font-weight:700; color:#512e5f;">no required monthly mortgage payments while they continue living in the home</span>. You retain title and ownership, and the loan is typically repaid when the home is sold, the homeowner moves out permanently, or passes away.
              </div>
              <div style="font-size:16px; line-height:24px; color:#33424c; padding-top:10px;">
                This is designed to feel like support—not pressure. A mandatory session with a HUD-approved counseling agency is part of the process, helping ensure that the decision is informed, comfortable, and right for your circumstances.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:4px 22px 6px 22px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
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                        <td style="background-color:#f5eef8; border:1px solid #eadcf0; border-radius:4px; padding:11px 12px;">
                          <div style="font-size:13px; line-height:17px; font-weight:700; color:#512e5f;">Why homeowners look into it</div>
                          <div style="font-size:14px; line-height:21px; color:#3f4d57; padding-top:5px;">
                            Create more room in the budget, reduce strain on savings, and use funds for the priorities that matter now.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                  <td width="50%" valign="top" style="padding-left:6px;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                      <tr>
                        <td style="background-color:#ffffff; border:1px solid #dcdfe5; border-radius:4px; padding:11px 12px;">
                          <div style="font-size:13px; line-height:17px; font-weight:700; color:#512e5f;">What the guide will explain</div>
                          <div style="font-size:14px; line-height:21px; color:#3f4d57; padding-top:5px;">
                            Eligibility basics, how repayment works, what counseling involves, and whether your goals align with the program.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:6px 22px 8px 22px;">
              <div style="font-size:14px; line-height:21px; color:#5b6670;">
                Information requests are free, and there is no obligation to move forward. If you are 62+ and have sufficient home equity, a quick review can help determine whether this option deserves a closer look.
              </div>
            </td>
          </tr>

          <tr>
            <td align="center" style="padding:10px 22px 10px 22px;">
              <a href="http://www.empirechip.com/browse_main/q2le49" style="display:inline-block; background-color:#512e5f; color:#ffffff; font-size:17px; line-height:17px; font-weight:700; text-decoration:none; padding:15px 28px; border-radius:4px; border:1px solid #512e5f;">Get Your Free Guide</a>
            </td>
          </tr>

          <tr>
            <td style="padding:8px 22px 0 22px;">
              <p style="margin:0; font-size:14px; line-height:23px; color:#4f5b65;">
                EquityFirst Financial approaches retirement lending from a simple belief: a home can be more than where life happened—it can also be part of how financial stability is protected in the years ahead. The goal is to make a complex topic easier to understand and less intimidating to explore.
              </p>
              <p style="margin:12px 0 0 0; font-size:14px; line-height:23px; color:#4f5b65;">
                This offer exists for homeowners who want choices, not added stress. By focusing on tax-free cash access, continued homeownership, and no required monthly mortgage payments while living in the home, EquityFirst Financial centers the conversation on flexibility and peace of mind rather than debt alone.
              </p>
              <p style="margin:12px 0 0 0; font-size:14px; line-height:23px; color:#4f5b65;">
                The brand’s role is to guide, explain, and help evaluate whether the option genuinely fits your needs. That is why the process is presented with clarity, pacing, and support from required independent counseling—so each next step feels informed and steady.
              </p>
            </td>
          </tr>

          <tr>
            <td style="padding:14px 22px 18px 22px;">
              <div style="font-size:12px; line-height:18px; color:#6b7780; border-top:1px solid #e2e5ea; padding-top:10px;">
                Review the details carefully to understand obligations, eligibility, and repayment conditions. This communication is intended to provide general information and encourage a no-obligation consultation.
              </div>
            </td>
          </tr>

        </table>
      </td>
    </tr>
  </table>
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