A transparent scoring engine. No black box.
Your readiness score is calculated across six weighted dimensions using only inputs you declare and documents you upload. We do not pull credit bureau data without your consent.
Six dimensions, weighted by lender importance.
Weights were calibrated with NHF-licensed mortgage banks and MREIF-participating institutions. The total is always out of 100.
Income stability
Employer type, employment tenure, and verified payslip evidence.
Affordability
Debt-to-income ratio against your declared monthly obligations.
NHF eligibility
Verified NHF deduction on payslip moves you to the top of this dimension.
Document completeness
Six verified documents — ID, payslips, statement, employment letter, tax, utility.
Housing literacy
Your best score from the 20-question Housing Literacy Quiz.
Profile completeness
Every field you complete strengthens the lender package.
From signup to Passport in five moves.
Sign up for a free account and start your journey.
Complete your basic profile and take the housing literacy quiz.
Pay ₦10,000 to unlock your Mortgage Readiness Score.
Upload six verification documents for validation.
Specify preferences and connect with mortgage lenders.
Important disclosure
This platform prepares and facilitates. Final mortgage approval is subject to lender assessment and applicable regulatory requirements. NHF and MREIF eligibility is self-reported at MVP and manually verified by OwnAm against your uploaded payslip evidence.