— FIRST RESPONDER PROGRAM · MAY COHORT

For the
first in,
last out.

An exclusive credit, capital, and protection program for active and retired first responders. Built by a team that includes former responders — and engineered around the realities of 24-on / 48-off life.

Verify eligibility Email enrollment desk
OFF PUBLIC PRICING
−40%
LOYALTY CREDIT — GRAD
$500
SPECIALIST ON-CALL
24/7
PRIORITY UNDERWRITING
< 48HR
— WHY IT EXISTS

You shouldn’t pay civilian rates to fix what the job did to your finances.

You took a side job to cover the gear. You put the family deductible on a personal card after a bad call. You missed a payment because you were on a 36-hour shift when the auto-pay failed.

None of that should follow you into a mortgage rate. The First Due program exists so it doesn’t — with discounted enrollment, priority underwriting, and lender access civilians don’t get.

— WHO QUALIFIES

If you’ve worn a badge, a helmet, or a uniform — you’re in.

  • ✓ Active or retired firefighter (career or volunteer)
  • ✓ Active or retired police / sheriff / state trooper
  • ✓ Active or retired EMT, paramedic, or 911 dispatcher
  • ✓ Active-duty military and combat veterans
  • ✓ Federal law enforcement (FBI, DEA, USMS, CBP, ATF)
  • ✓ Spouses and immediate dependents of the above

Verification by badge, pension stub, DD-214, or department-issued ID. We don’t store the document.

— ENROLLMENT

Four steps. Most clients are enrolled inside 48 hours.

01
→

Verify

Send us a department badge, pension stub, or DD-214. Verification takes about 10 minutes. We never share or store the document beyond verification.

02
→

Audit

Free 20-minute call with a senior specialist. We pull your full report and lay out what your trajectory looks like — point by point.

03
→

Enroll

Choose a program (or we recommend one). Disputes filed within 72 hours. Tradelines staged. Funding pre-positioned for graduation day.

04
→

Graduate

Most clients graduate inside 90 days. You leave with a clean file, lender relationships, and a $500 credit toward future services.

— STORIES FROM THE COHORT

Real files. Real receipts.

◆ VERIFIED RESPONDER

Came in at a 612 with three charge-offs from a 2019 medical event. Out at 759 in 87 days. Closed on a $48K truck loan at 5.4%, was previously quoted 11.9%.

Marcus D.
FDNY · Engine 21
◆ VERIFIED RESPONDER

Owner-operator. Needed business credit lines without PG. We rebuilt her D&B file, set up a 4-account vendor ladder, and unlocked $85K across three lenders.

Lina P.
Paramedic · Frontline EMS
◆ VERIFIED RESPONDER

Two prior credit-repair shops took his money and disappeared. We finished his file in 76 days and got him pre-qualified for a refi that saved him $312/mo.

Jared K.
Suffolk County PD