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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, Sell, or Refinance a Home


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How Do Heroes Save Money?


When heroes work with Heroes Come First they receive financial rewards as a thank you for their service:

BUY A HOME
Receive financial rewards from a pro Heroes realtor. (Average $2,000)
(use our
Hero Reward Calculator to see how much your check would be)
PLUS a Lender Credit of a minimum of $500 to  $1000*.
PLUS discounts from National Title Companies who work with us.

REFINANCE
Lender Credit of a minimum of $500 to  $1000*.
Priority service from a hero focused ethical, experienced team of mortgage professionals.
Competitive rates and programs available in all 50 states.

PLUS discounts from National Title Companies who work with us.

SELL A HOME
Receive reduced real estate service fees at closing. (Average $2,000)
(use our
Hero Reward Calculator to see how much your Savings would be)

LOCAL BUSINESS AFFILIATES provide special hero discounts.

Find Out How Much You Can Save


See How We Reward Heroes in 180 Seconds
on Money Answers TV


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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 licensed to lend 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.

Benefits include:

  • Hero Grant Programs up to $10,000
  • VA, FHA, USDA, Conventional, HomeReady programs in all 50 states
  • Significant Hero Rewards / Lender Discounts to Heroes
  • Get pre-approved for a home loan online
  • Explore the benefits of financing or refinancing without any “sales pressure”
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