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From: Colin Rivers <colinrivers@softpebble.com>
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Date: Tue, 31 Mar 2026 10:40:31 -0400
To: bruce@untroubled.org
Reply-To: colinrivers@softpebble.com
Subject: Your House Can Pay You
Message-ID: <ce1bea98_20241014155936.239867@softpebble.com>
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EquityFirst Financial

EquityFirst Financial

Turn home equity into added retirement flexibility

Access tax-free cash from your home with no monthly mortgage payments required while you live there.

For eligible homeowners age 62 and older, this can be a practical way to strengthen financial breathing room without giving up ownership. The focus is simple: help you use a long-built asset in a way that supports everyday confidence.

A straightforward option designed around real needs

Home equity can support more than one goal. Depending on what matters most, funds may be used to supplement retirement income, help cover healthcare costs, or finance updates that make the home more comfortable and practical.

•

You retain title and ownership of your home.

•

Repayment is generally due when the home is sold, when you move out permanently, or when you pass away.

•

The process includes mandatory counseling with a HUD-approved agency, helping you make an informed decision.

What this can help unlock

Additional monthly flexibility can make everyday budgeting feel less restrictive and big expenses easier to navigate.

What stays the same

You keep living in your home, keep your title, and review the details through a transparent consultation before making any decisions.

If you have substantial equity and are age 62+, the next step is simply to review how the program works, what eligibility may look like, and whether it aligns with your goals.

Request the Free Guide

EquityFirst Financial approaches retirement solutions with a steady belief that financial tools should reduce uncertainty, not add to it. That is why the offer is framed around clarity, education, and a pace that respects the seriousness of the decision.

Accessing your home’s equity as tax-free cash exists to solve a practical challenge many older homeowners face: having substantial value in a home while wanting more freedom in day-to-day finances. Rather than treating the home only as something to preserve, this option can make it a source of support during retirement.

The EquityFirst Financial perspective is advisor-led and grounded in informed choice. That is why the process emphasizes straightforward explanations, a no-obligation consultation, and required counseling from a HUD-approved agency—so the decision stays tied to your goals, not pressure.

A thoughtful option, explained with care.

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  <title>EquityFirst Financial</title>
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<body style="margin:0; padding:0; background-color:#f5eef8; font-family:Arial, Helvetica, sans-serif; color:#2f2435;">
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              <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:21px; color:#512e5f; letter-spacing:0.4px; font-weight:bold;">
                EquityFirst Financial
              </div>
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:33px; line-height:39px; color:#8e44ad; font-weight:bold; padding-top:10px;">
                Turn home equity into added retirement flexibility
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:4px 32px 0 32px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:20px; line-height:30px; color:#2f2435; font-weight:bold;">
                Access tax-free cash from your home with no monthly mortgage payments required while you live there.
              </div>
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:17px; line-height:28px; color:#4b3a53; padding-top:16px;">
                For eligible homeowners age 62 and older, this can be a practical way to strengthen financial breathing room without giving up ownership. The focus is simple: help you use a long-built asset in a way that supports everyday confidence.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:26px 32px 0 32px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; border:1px solid #d9c7e3; background-color:#ffffff;">
                <tr>
                  <td style="padding:24px 24px 20px 24px;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:21px; line-height:29px; color:#512e5f; font-weight:bold;">
                      A straightforward option designed around real needs
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:26px; color:#46394b; padding-top:14px;">
                      Home equity can support more than one goal. Depending on what matters most, funds may be used to supplement retirement income, help cover healthcare costs, or finance updates that make the home more comfortable and practical.
                    </div>
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%; margin-top:18px;">
                      <tr>
                        <td valign="top" style="width:22px; font-size:18px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                        <td style="font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:26px; color:#46394b;">You retain title and ownership of your home.</td>
                      </tr>
                      <tr>
                        <td valign="top" style="width:22px; font-size:18px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                        <td style="font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:26px; color:#46394b;">Repayment is generally due when the home is sold, when you move out permanently, or when you pass away.</td>
                      </tr>
                      <tr>
                        <td valign="top" style="width:22px; font-size:18px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                        <td style="font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:26px; color:#46394b;">The process includes mandatory counseling with a HUD-approved agency, helping you make an informed decision.</td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:26px 32px 0 32px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse; width:100%;">
                <tr>
                  <td valign="top" style="padding:0 18px 0 0; width:50%;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:18px; line-height:27px; color:#512e5f; font-weight:bold;">
                      What this can help unlock
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:25px; color:#4b3a53; padding-top:10px;">
                      Additional monthly flexibility can make everyday budgeting feel less restrictive and big expenses easier to navigate.
                    </div>
                  </td>
                  <td valign="top" style="padding:0 0 0 18px; width:50%;">
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:18px; line-height:27px; color:#512e5f; font-weight:bold;">
                      What stays the same
                    </div>
                    <div style="font-family:Arial, Helvetica, sans-serif; font-size:15px; line-height:25px; color:#4b3a53; padding-top:10px;">
                      You keep living in your home, keep your title, and review the details through a transparent consultation before making any decisions.
                    </div>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:28px 32px 0 32px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:27px; color:#46394b;">
                If you have substantial equity and are age 62+, the next step is simply to review how the program works, what eligibility may look like, and whether it aligns with your goals.
              </div>
            </td>
          </tr>

          <tr>
            <td align="center" style="padding:34px 32px 18px 32px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;">
                <tr>
                  <td align="center" bgcolor="#512e5f" style="background-color:#512e5f; border-radius:2px;">
                    <a href="http://www.softpebble.com/archiveline/gowca28" style="display:inline-block; font-family:Arial, Helvetica, sans-serif; font-size:17px; line-height:17px; color:#ffffff; text-decoration:none; font-weight:bold; padding:18px 34px; background-color:#512e5f; border:1px solid #512e5f;">
                      Request the Free Guide
                    </a>
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:4px 32px 0 32px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:24px; color:#5f5365;">
                EquityFirst Financial approaches retirement solutions with a steady belief that financial tools should reduce uncertainty, not add to it. That is why the offer is framed around clarity, education, and a pace that respects the seriousness of the decision.
              </div>
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:24px; color:#5f5365; padding-top:14px;">
                Accessing your home’s equity as tax-free cash exists to solve a practical challenge many older homeowners face: having substantial value in a home while wanting more freedom in day-to-day finances. Rather than treating the home only as something to preserve, this option can make it a source of support during retirement.
              </div>
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:14px; line-height:24px; color:#5f5365; padding-top:14px;">
                The EquityFirst Financial perspective is advisor-led and grounded in informed choice. That is why the process emphasizes straightforward explanations, a no-obligation consultation, and required counseling from a HUD-approved agency—so the decision stays tied to your goals, not pressure.
              </div>
            </td>
          </tr>

          <tr>
            <td style="padding:26px 32px 38px 32px;">
              <div style="font-family:Arial, Helvetica, sans-serif; font-size:13px; line-height:22px; color:#75697c;">
                A thoughtful option, explained with care.
              </div>
            </td>
          </tr>

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