Know your
mortgage score.
Own your home.
OwnAm scores your readiness across six dimensions, closes the gaps that lenders reject, and routes your verified profile to NHF and MREIF-approved mortgage banks — in 90 days.
Live Quest Leaderboard
Top Mortgage-Ready Questers
Proven track record across Nigeria
* Projected 2026 targets — updated as milestones are reached
The Platform
Not a lender.
Your readiness engine.
We don't approve mortgages. We make you impossible to reject.
Score your readiness
Six weighted dimensions calibrated with NHF-licensed mortgage banks. Your score updates in real time as your profile improves.
Build your document vault
Organise payslips, government ID, bank statements, employment letters, tax clearance and utility bills in one verified digital file.
Get matched to a lender
Your Mortgage Access Passport routes your verified profile directly to NHF and MREIF-approved mortgage banks actively seeking qualified applicants.
The Journey
From zero to Passport in four steps.
Register
Create a free account, complete your basic profile and take the housing literacy quiz.
Unlock Score
Pay ₦10,000 to trigger the diagnostics engine and reveal your exact Mortgage Readiness Score.
Verify
Upload six verification documents (payslips, statements, etc.) to get certified and lender-ready.
Match
Specify property preferences to get matched and referred directly to partner mortgage institutions.
Full Platform
One platform. Six tools.
OwnAm is the complete infrastructure for your mortgage journey — from first score to funded home.
Readiness Score
A 6-dimension score built on real NHF lender criteria, updated in real time as you complete your profile.
Document Vault
Secure, lender-ready digital file for your payslips, ID, bank statements, tax clearance and utility bills.
Quest Leaderboard
See how your score ranks among members in your institution and segment. Benchmark your progress.
Owanbe Registry™
Pool asset contributions from family, friends and community groups toward building materials and housewarming goals.
OwnAm Safe Pay™
Credit-backed escrow protection for land and building materials — funds held safely until delivery is confirmed.
Chapter Desk Portal
Dedicated union & chapter desk for COEASU and institutional leaders to view member stats and roster readiness.
Who We Serve
Built for four types of Nigerian earners.
Academic Staff
COEASU members, university and polytechnic lecturers. Your NHF-deducted salary is the strongest asset a lender can see.
Check my eligibilityPrivate Sector
Tech, banking, oil & gas, telecoms, healthcare. Your payslip is your proof — we package it correctly for institutional review.
Check my eligibilityDiaspora
Building back home while living abroad. We verify your foreign income and monitor your investment remotely so you don't need to fly in.
Check my eligibilityLandowner
You already hold a title deed. We structure your land as collateral and package the build finance application for approved lenders.
Check my eligibilityInstitutional Alignment
Federal Mortgage Bank
National Housing Fund
MREIFMembers who moved the needle.
"I enrolled 60 of my COEASU members through the chapter desk in Abuja. The group reporting dashboard made it effortless to track everyone's progress without chasing individuals."
"For the first time I actually understood why my mortgage kept getting rejected. OwnAm showed me exactly which two documents were missing. Six weeks later my score moved from Red to Amber."
"As a software engineer in Abuja I had no idea NHF applied to private sector employees. OwnAm confirmed my eligibility and walked me through the registration. Completely changed my timeline."
Pricing
Transparent fees. No lender commissions.
You pay OwnAm. OwnAm works for you — not the bank.
Standard
- Quest ID and readiness score
- Housing literacy quiz access
- Document vault (6 slots)
- 90-day improvement pathway
Mortgage Access Passport
- Everything in Standard
- Branded readiness certificate
- Full document vault verification
- Partner introduction and routing
Diaspora Premium
- Everything in Passport
- Remote income verification
- Quarterly Africa Mortgage Watch report
- Dedicated advisory support
Chapter and cooperative desk packages available from ₦250,000 · See chapter pricing
Start today
Your mortgage score
is waiting for you.
Take the three-minute readiness check. No bank visit. No credit bureau check. Find out exactly where you stand — and what to do next.
Join 2,400+ Nigerians already on their mortgage journey*