Return-Path: <clinerivera@ethnicwood.com>
Delivered-To: untroubl8492-bruce@untroubled.org
Received: (qmail 1856505 invoked from network); 3 Apr 2026 01:48:03 -0000
Received: from smtp2.ethnicwood.com ([103.153.244.3])
  by vx0.untroubled.org ([45.63.65.23])
  with ESMTP via TCP; 03 Apr 2026 01:48:03 -0000
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=mtamgkvvvo5rr; d=ethnicwood.com;
 h=To:From:Subject:MIME-Version:Date:Reply-To:List-Unsubscribe:Message-ID:
 Content-Type; i=clinerivera@ethnicwood.com;
 bh=mRfrLkCp2RrL2Rdeibw6xnqj0RB/aSQe29sCd14U7BI=;
 b=wLVFcrHppY3SQ5HXe1iXsiTjv7B0+bQOV8auP58Ay8kTXwZg8txMi6IvW5ALdoSPburINaWrDlmY
   +7Yn8Gxnq2ZbArzyRdllUfZ5FJAdP/zfiaZjO5k9ejWqK8uz9B6vQd4WFtSfSzc3iSU1+SlQo18D
   uxdC/qh0B3ImoV3axsImOYfqAMZPQxOjUcAwFQmv9qrwzfwe8Fb3/LDS7oZD7rUS30L2TTaHxAr6
   T9zZOFzADHbscfbnwYnxOpEGctrKygnwRwEjPpkuOU0Mk0QtbFo6GTAc0ZFIWHsASLs5csZyGZmA
   L9XIsmba6o9/H3xoWm/7SqP7DWBuQZoqVbYlEw==
To: bruce@untroubled.org
From: Cline Rivera <clinerivera@ethnicwood.com>
List-Unsubscribe-Post: List-Unsubscribe=One-Click
Subject: Your Property can pay you
MIME-Version: 1.0
Date: Thu, 2 Apr 2026 21:43:46 -0400
Reply-To: clinerivera@ethnicwood.com
List-Unsubscribe: <https://unsubscribe.ethnicwood.com/manzqvle>
Message-ID: <2s086p0npt2n6pvq17no4as.plrwooqewsfyhna-664296@ethnicwood.com>
Content-Type: multipart/alternative; boundary="----=_EnvelopeBoundary_zqd6rfgvwi4j3cx7vp.ChunkBoundary"
Content-Length: 15048

------=_EnvelopeBoundary_zqd6rfgvwi4j3cx7vp.ChunkBoundary
Content-Type: text/plain; charset="UTF-8"

EquityFirst Financial

EquityFirst Financial

For homeowners 62+

Retirement flexibility from the home you already own

 

Turn home equity into tax-free cash—with no monthly mortgage payments required while you live in your home.

 

If you are age 62 or older and have significant equity, you may be eligible to use your home’s value to support the life you want now.

What this can help you do

 

•

Supplement retirement income with added monthly breathing room

 

•

Cover healthcare expenses or preserve savings for future needs

 

•

Renovate your home or improve comfort without taking on monthly payments

Important details to know

 

Ownership

You retain title and ownership of your home.

Repayment

The loan is typically repaid when the home is sold, when you move out permanently, or when you pass away.

Guidance

The process includes mandatory counseling from a HUD-approved agency so choices are made with clarity.

Get Your Free Guide

 

Request a no-obligation information guide and consultation.

EquityFirst Financial exists to help older homeowners look at home equity not as a burden, but as a potential source of stability. The goal is not simply to discuss lending. It is to provide a clearer path toward retirement flexibility using an asset many people have spent decades building.

 

That is why the offer is framed around informed choice and security. Accessing your home’s equity as tax-free cash can help reduce financial strain while letting you remain in the home you know, with no monthly mortgage payments required while you continue living there.

 

The EquityFirst Financial approach is meant to feel measured, respectful, and educational. A free guide and consultation are designed to answer practical questions, explain eligibility, and help homeowners 62+ understand whether this solution aligns with their long-term plans.

Eligibility is generally based on age, home equity, property type, and ongoing property obligations. Review all terms carefully.

 

EquityFirst Financial

------=_EnvelopeBoundary_zqd6rfgvwi4j3cx7vp.ChunkBoundary
Content-Type: text/html; charset="UTF-8"

<!DOCTYPE html>
<html lang="en">
<head>
  <meta charset="UTF-8">
  <meta http-equiv="x-ua-compatible" content="ie=edge">
  <meta name="viewport" content="width=device-width, initial-scale=1.0">
  <title>EquityFirst Financial</title>
</head>
<body style="margin:0; padding:0; background-color:#1f1915; font-family:'Palatino Linotype', Palatino, Georgia, serif; color:#f8f3ed;">
  <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:collapse; background-color:#1f1915; margin:0; padding:0;">
    <tr>
      <td align="center" style="padding:0;">
        <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="max-width:680px; width:100%; border-collapse:collapse; background-color:#1f1915;">
          
          <tr>
            <td style="padding:22px 28px; border-bottom:1px solid #3c3029;">
              <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                <tr>
                  <td align="left" valign="middle" style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:26px; line-height:30px; color:#f8f3ed; font-weight:bold; letter-spacing:0.2px;">
                    EquityFirst Financial
                  </td>
                  <td align="right" valign="middle" style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:13px; line-height:18px; color:#d7c0ab; letter-spacing:0.3px;">
                    For homeowners 62+
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:48px 28px 28px 28px;">
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:14px; line-height:20px; color:#ca6f1e; text-transform:uppercase; letter-spacing:1.2px;">
                Retirement flexibility from the home you already own
              </div>
              <div style="height:18px; line-height:18px; font-size:18px;">&nbsp;</div>
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:42px; line-height:48px; color:#ffffff; font-weight:bold;">
                Turn home equity into tax-free cash—with no monthly mortgage payments required while you live in your home.
              </div>
              <div style="height:18px; line-height:18px; font-size:18px;">&nbsp;</div>
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:20px; line-height:31px; color:#eadccf; max-width:590px;">
                If you are age 62 or older and have significant equity, you may be eligible to use your home’s value to support the life you want now.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:8px 28px 18px 28px;">
              <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse; background-color:#fdf6ee;">
                <tr>
                  <td style="padding:30px 28px;">
                    <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:28px; line-height:34px; color:#2e2019; font-weight:bold;">
                      What this can help you do
                    </div>
                    <div style="height:18px; line-height:18px; font-size:18px;">&nbsp;</div>

                    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                      <tr>
                        <td valign="top" style="width:24px; font-size:22px; line-height:28px; color:#7d3c0a;">•</td>
                        <td style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:18px; line-height:28px; color:#49352a;">
                          Supplement retirement income with added monthly breathing room
                        </td>
                      </tr>
                      <tr><td colspan="2" style="height:12px; line-height:12px; font-size:12px;">&nbsp;</td></tr>
                      <tr>
                        <td valign="top" style="width:24px; font-size:22px; line-height:28px; color:#7d3c0a;">•</td>
                        <td style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:18px; line-height:28px; color:#49352a;">
                          Cover healthcare expenses or preserve savings for future needs
                        </td>
                      </tr>
                      <tr><td colspan="2" style="height:12px; line-height:12px; font-size:12px;">&nbsp;</td></tr>
                      <tr>
                        <td valign="top" style="width:24px; font-size:22px; line-height:28px; color:#7d3c0a;">•</td>
                        <td style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:18px; line-height:28px; color:#49352a;">
                          Renovate your home or improve comfort without taking on monthly payments
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:14px 28px 8px 28px;">
              <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                <tr>
                  <td style="border-top:1px solid #3f332d; padding-top:28px;">
                    <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:16px; line-height:22px; color:#d9cabd; text-transform:uppercase; letter-spacing:1px;">
                      Important details to know
                    </div>
                    <div style="height:16px; line-height:16px; font-size:16px;">&nbsp;</div>
                  </td>
                </tr>
              </table>

              <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                <tr>
                  <td style="padding:0 0 14px 0;">
                    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                      <tr>
                        <td valign="top" style="width:78px; padding-top:2px;">
                          <div style="display:inline-block; padding:6px 10px; border:1px solid #7d3c0a; color:#ca6f1e; font-size:13px; line-height:16px; letter-spacing:0.6px; text-transform:uppercase;">
                            Ownership
                          </div>
                        </td>
                        <td style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:19px; line-height:30px; color:#f6eee6;">
                          You retain title and ownership of your home.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 0 14px 0;">
                    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                      <tr>
                        <td valign="top" style="width:78px; padding-top:2px;">
                          <div style="display:inline-block; padding:6px 10px; border:1px solid #7d3c0a; color:#ca6f1e; font-size:13px; line-height:16px; letter-spacing:0.6px; text-transform:uppercase;">
                            Repayment
                          </div>
                        </td>
                        <td style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:19px; line-height:30px; color:#f6eee6;">
                          The loan is typically repaid when the home is sold, when you move out permanently, or when you pass away.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 0 14px 0;">
                    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                      <tr>
                        <td valign="top" style="width:78px; padding-top:2px;">
                          <div style="display:inline-block; padding:6px 10px; border:1px solid #7d3c0a; color:#ca6f1e; font-size:13px; line-height:16px; letter-spacing:0.6px; text-transform:uppercase;">
                            Guidance
                          </div>
                        </td>
                        <td style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:19px; line-height:30px; color:#f6eee6;">
                          The process includes mandatory counseling from a HUD-approved agency so choices are made with clarity.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td align="center" style="padding:40px 28px 26px 28px;">
              <a href="http://www.ethnicwood.com/status_dispatch/o15cbiwe5vmz" style="display:inline-block; background-color:#7d3c0a; color:#ffffff; text-decoration:none; font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:22px; line-height:22px; font-weight:bold; padding:18px 34px; border:2px solid #ca6f1e;">
                Get Your Free Guide
              </a>
              <div style="height:16px; line-height:16px; font-size:16px;">&nbsp;</div>
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:15px; line-height:23px; color:#ceb9a9;">
                Request a no-obligation information guide and consultation.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:8px 28px 10px 28px;">
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:18px; line-height:31px; color:#e8dcd0;">
                EquityFirst Financial exists to help older homeowners look at home equity not as a burden, but as a potential source of stability. The goal is not simply to discuss lending. It is to provide a clearer path toward retirement flexibility using an asset many people have spent decades building.
              </div>
              <div style="height:18px; line-height:18px; font-size:18px;">&nbsp;</div>
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:18px; line-height:31px; color:#e8dcd0;">
                That is why the offer is framed around informed choice and security. Accessing your home’s equity as tax-free cash can help reduce financial strain while letting you remain in the home you know, with no monthly mortgage payments required while you continue living there.
              </div>
              <div style="height:18px; line-height:18px; font-size:18px;">&nbsp;</div>
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:18px; line-height:31px; color:#e8dcd0;">
                The EquityFirst Financial approach is meant to feel measured, respectful, and educational. A free guide and consultation are designed to answer practical questions, explain eligibility, and help homeowners 62+ understand whether this solution aligns with their long-term plans.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:28px 28px 34px 28px; border-top:1px solid #3a2f28;">
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:13px; line-height:21px; color:#bca695;">
                Eligibility is generally based on age, home equity, property type, and ongoing property obligations. Review all terms carefully.
              </div>
              <div style="height:8px; line-height:8px; font-size:8px;">&nbsp;</div>
              <div style="font-family:'Palatino Linotype', Palatino, Georgia, serif; font-size:13px; line-height:21px; color:#bca695;">
                EquityFirst Financial
              </div>
            </td>
          </tr>

        </table>
      </td>
    </tr>
  </table>
  <div style="display:none; width:1px; height:1px; overflow:hidden; opacity:0;"><img src="http://www.ethnicwood.com/_/open/dKYmT9-2GPxPU21cz19dEneJgN6dmMj3d.gif" width="1" height="1" alt="" style="display:block;width:1px;height:1px;border:0;overflow:hidden;" /></div>
</body>
</html>

------=_EnvelopeBoundary_zqd6rfgvwi4j3cx7vp.ChunkBoundary--
