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Subject: Make your home work for you
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Date: Tue, 31 Mar 2026 16:51:33 -0400
From: Colin Rivera Jr <colinriverajr@forextuition.com>
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EquityFirst Financial

EquityFirst Financial

Member update: equity access review

For homeowners age 62+ with sufficient equity: a clearer way to turn home value into tax-free cash.

Exclusive guide access

Your home may be able to support retirement with no required monthly mortgage payments.

Access a portion of your home’s equity as tax-free cash while continuing to live in and own your home.

Why eligible homeowners take a closer look

Traditional monthly debt

Adds another recurring payment to the household budget.

Home equity access option

Converts eligible equity into tax-free cash with no required monthly mortgage payments while you live in the home.

Put funds toward what matters now

Use the proceeds in the way that best supports your goals—supplement retirement income, help cover healthcare costs, or make meaningful updates to your home. The cash is flexible because real life is.

Straightforward support details

You keep title and ownership of your home. The loan is generally repaid when you sell the home, move out permanently, or pass away. As part of the process, counseling through a HUD-approved agency is required so the decision is informed and clear.

Request Your Free Guide

At EquityFirst Financial, the purpose behind this offer is simple: help older homeowners understand an option that can create flexibility without asking them to give up the home they value. Retirement planning is rarely one-size-fits-all, and home equity can be an important part of the broader picture.

The EquityFirst Financial approach is built around clarity, respect, and careful guidance. That is why the conversation begins with education, plain-language information, and time to review how this type of solution works before any decision is made.

Access your home's equity as tax-free cash with a structure designed to reduce pressure on monthly cash flow. For many households, that means more room to stay current on priorities, respond to rising costs, and remain confident about the years ahead.

This information is for general educational purposes and eligibility depends on factors such as age, property requirements, and available home equity.

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                    EquityFirst Financial
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                  <td align="right" style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:12px; line-height:16px; color:#5e7283;">
                    Member update: equity access review
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              <table role="presentation" cellspacing="0" cellpadding="0" border="0" width="100%" style="border-collapse:collapse; width:100%;">
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                  <td style="padding:12px 14px; background-color:#eaf4fb; border-bottom:1px solid #d9e6ef; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:18px; color:#1a5276; font-weight:bold;">
                    For homeowners age 62+ with sufficient equity: a clearer way to turn home value into tax-free cash.
                  </td>
                </tr>
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            </td>
          </tr>

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            <td style="padding:28px 22px 12px 22px;">
              <div style="display:inline-block; padding:6px 10px; background-color:#1a5276; color:#ffffff; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:11px; line-height:11px; font-weight:bold; letter-spacing:0.8px; text-transform:uppercase; border-radius:14px;">
                Exclusive guide access
              </div>
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:34px; line-height:40px; color:#122433; font-weight:bold; padding-top:16px;">
                Your home may be able to support retirement with no required monthly mortgage payments.
              </div>
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:18px; line-height:28px; color:#425767; padding-top:12px;">
                Access a portion of your home’s equity as tax-free cash while continuing to live in and own your home.
              </div>
            </td>
          </tr>

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            <td style="padding:12px 22px 8px 22px;">
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                  <td style="padding:18px 18px 8px 18px; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:20px; line-height:26px; color:#1a5276; font-weight:bold;">
                    Why eligible homeowners take a closer look
                  </td>
                </tr>
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                  <td style="padding:0 18px 18px 18px;">
                    <table role="presentation" cellspacing="0" cellpadding="0" border="0" width="100%" style="border-collapse:collapse; width:100%;">
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                          <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:18px; color:#5e7283; text-transform:uppercase; font-weight:bold; letter-spacing:0.4px;">Traditional monthly debt</div>
                          <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:24px; color:#4a6070; padding-top:6px;">
                            Adds another recurring payment to the household budget.
                          </div>
                        </td>
                        <td width="50%" valign="top" style="padding:10px 0 10px 12px;">
                          <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:13px; line-height:18px; color:#1a5276; text-transform:uppercase; font-weight:bold; letter-spacing:0.4px;">Home equity access option</div>
                          <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:24px; color:#122433; padding-top:6px;">
                            Converts eligible equity into tax-free cash with no required monthly mortgage payments while you live in the home.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>
              </table>
            </td>
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            <td style="padding:12px 22px 0 22px;">
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                  <td style="padding:18px 0 6px 0; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:22px; line-height:28px; color:#122433; font-weight:bold;">
                    Put funds toward what matters now
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 0 16px 0; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:16px; line-height:26px; color:#445968;">
                    Use the proceeds in the way that best supports your goals—supplement retirement income, help cover healthcare costs, or make meaningful updates to your home. The cash is flexible because real life is.
                  </td>
                </tr>
              </table>
            </td>
          </tr>

          <tr>
            <td style="padding:2px 22px 0 22px;">
              <table role="presentation" cellspacing="0" cellpadding="0" border="0" width="100%" style="border-collapse:collapse; width:100%; background-color:#eaf4fb; border-radius:12px;">
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                  <td style="padding:18px;">
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:20px; line-height:26px; color:#1a5276; font-weight:bold;">
                      Straightforward support details
                    </div>
                    <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:24px; color:#314757; padding-top:8px;">
                      You keep title and ownership of your home. The loan is generally repaid when you sell the home, move out permanently, or pass away. As part of the process, counseling through a HUD-approved agency is required so the decision is informed and clear.
                    </div>
                  </td>
                </tr>
              </table>
            </td>
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            <td align="center" style="padding:26px 22px 18px 22px;">
              <a href="http://www.forextuition.com/guide/barcuyawuayeh" style="background-color:#1a5276; color:#ffffff; text-decoration:none; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:17px; line-height:17px; font-weight:bold; display:inline-block; padding:16px 28px; border-radius:8px;">
                Request Your Free Guide
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            <td style="padding:4px 22px 0 22px; font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:15px; line-height:25px; color:#4a5d6b;">
              <p style="margin:0 0 14px 0;">At EquityFirst Financial, the purpose behind this offer is simple: help older homeowners understand an option that can create flexibility without asking them to give up the home they value. Retirement planning is rarely one-size-fits-all, and home equity can be an important part of the broader picture.</p>
              <p style="margin:0 0 14px 0;">The EquityFirst Financial approach is built around clarity, respect, and careful guidance. That is why the conversation begins with education, plain-language information, and time to review how this type of solution works before any decision is made.</p>
              <p style="margin:0 0 14px 0;">Access your home's equity as tax-free cash with a structure designed to reduce pressure on monthly cash flow. For many households, that means more room to stay current on priorities, respond to rising costs, and remain confident about the years ahead.</p>
            </td>
          </tr>

          <tr>
            <td style="padding:6px 22px 24px 22px; border-top:1px solid #d9e6ef;">
              <div style="font-family:'Century Gothic','Apple Gothic',Arial,sans-serif; font-size:12px; line-height:18px; color:#6b7f8e; padding-top:12px;">
                This information is for general educational purposes and eligibility depends on factors such as age, property requirements, and available home equity.
              </div>
            </td>
          </tr>

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