We begin with your housing needs, budget, and timeline. Once eligibility is established, you’ll work with a Pillow Pads designated real estate agent to find the home that fits your profile.

In partnership with Pillow Pads finance partners, Pillow Pads purchases the property on your behalf. As a program member, you sign a lease to the property for the agreed amount.

We designed the Pillow Pads program to maximize the amount of equity a family can earn. After three years, a member’s earned equity vests (minus debt). The equity may be applied to the original property or a home of your choice.