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.
Answer 3 quick questions and see where you stand — before you sign up.
Which best describes your employment?
Answer 3 quick questions. See your estimated score band — no signup needed.
Which best describes your employment?
* 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
Pay ₦10,000. Receive your Quest ID, baseline readiness score, and full platform access.
Complete
Fill your profile, upload six verification documents, and pass the housing literacy quiz.
Passport
Purchase the Mortgage Access Passport (₦50,000). Receive your branded readiness certificate.
Match
OwnAm routes your verified profile to NHF and MREIF-approved mortgage banks.
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 contributions from family, community groups and cooperatives toward your home deposit goal.
OwnAm Checkout
Pay for your Passport, advisory sessions and partner referral services directly inside the platform.
Africa Mortgage Watch
Live NHF rates, lender announcements and housing policy updates from across the continent.
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
Members who moved the needle.
"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."
"I enrolled 60 of my COEASU members through the chapter desk. The group reporting dashboard made it effortless to track everyone's progress without chasing individuals."
"As a software engineer in Lagos 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*