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Heroes Come First Logo
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Dedicated to Saying "Thank You" to Heroes in a Practical & Financial Way When You Buy, Sell or Refinance a Home.

Dedicated to Saying "Thank You" to Heroes in a Practical & Financial Way When You Buy, Sell or Refinance a Home.




Find Out In 30 Seconds
What Your Hero Rewards Can Be
Hero Registration - No cost, no obligation





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A Hero is a person who is admired or idealized for courage, outstanding achievements, or noble qualities.

Webster’s Dictionary

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Heroes at Home is proud to introduce Heroes Come First to our nations heroes

Ellie Kay is the founder and CEO of Heroes at Home, a 501(c)(3) that provides financial literacy to our military members. Author of a fifteen books, popular speaker, corporate educator and spokesperson, and mother of seven children—five by birth, two by marriage, and all by love—Ellie Kay has walked her own financial talk and knows what it’s like to be strapped for cash and struggling.

Ellie meets her audiences—mainstream Americans who earn between $40,000 and $100,000 annually—right where they are financially. She teaches them sound money habits that are do-able and will stretch their dollars for the lifestyle of their dreams. One of her latest titles, Living Rich for Less (Waterbook/Random House, January 2009), sets forth her 10/10/80T Rule—give away 10 percent of your income, save 10 percent, and spend the last 80 percent wisely.
Ellie & Bob Kay

Robert & Ellie Kay

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How Does This Work?


Heroes Save Thousands When They Buy or Refinance a Home


Heroes Are ALL Current & Former:

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And All Clergy

And All Clergy


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See How We Reward Heroes in 170 Seconds
on Money Answers TV

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How Do Heroes Save Money? Click to learn.


house in hands

Click to learn more

Refinance House

Click to learn more


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Who Are the Heroes YOU KNOW ?


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Who is Heroes Come First?

Heroes Come First represents a team of lending professionals who are passionate about serving heroes and their families.

We work for a federally chartered, bank-owned mortgage company. Through them we are able to offer mortgages in all 50 states.


We combine decades of pro-consumer, national lending experience with special mortgage programs to bring special benefits to current and former Firefighters, Law Enforcement Officers, Military Personnel (active, reserves and veterans), Healthcare Workers, Emergency Medical Services Workers and Education Professionals and Clergy.

Benefits include:

  • Hero Grant Programs up to $10,000
  • VA, FHA, USDA, Conventional, HomeReady programs in all 50 states
  • Significant Hero Financial Benefits / Lender Discounts to Heroes up to $1,000
  • Get pre-approved for a home loan online
  • Explore the benefits of financing or refinancing without any “sales pressure”
  • "Mortgage Management Program" - Automatic enrollment to benefit from future rate decreases
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