— Ownership Track 01 · Homes & Mortgages
Know your
mortgage score.
Own your home.
OwnAm scores your readiness across six underwriting dimensions, closes the exact gaps that banks reject, and packages your verified file for NHF and commercial mortgage providers in 90 days.
— Real Underwriting Criteria
The 6 Dimensions Lenders Look For
Banks reject 80% of applicants due to preventable paperwork flaws. We calibrate your profile against verified primary mortgage standards.
Income Stability
25 PtsEvaluates steady payroll records, formal contract employment, or multi-year business operating cashflow.
Affordability (DTI)
25 PtsCalculates debt-to-income ratio to ensure monthly repayments stay comfortably within 33% of verified net income.
NHF Contribution Status
20 PtsValidates active contributions to the National Housing Fund to unlock 6% single-digit concessionary lending.
Document Vault Readiness
15 PtsCompleteness of six essential lender verification files (payslips, bank statements, employment letters, ID).
Housing Literacy Quiz
10 PtsAssesses comprehension of mortgage terms, interest structures, equity requirements, and homebuyer rights.
Profile Completeness
5 PtsValidated KYC data, residential background check, next of kin, and employer verification contact details.
— 90-Day Ownership Roadmap
From First Assessment to Funded Home
Check Eligibility
Answer a few structured questions about your income, employment, and NHF contribution status. We score your readiness across six dimensions.
Build Your File
Upload salary slips, bank statements, valid ID, and employment letters to your encrypted Document Vault. We verify each file and flag missing items.
Close Rejection Gaps
Your personalized 90-day pathway shows exactly what to fix — NHF registration, missing certifications, or debt-to-income adjustments.
Lender Routing & Match
Your verified Mortgage Access Passport routes directly to partner primary mortgage banks and developers seeking qualified applicants.
— Digital Tools
Everything Needed to Become Lender-Ready
6-Dimension Readiness Score
Income stability, affordability ratio, NHF eligibility, document completeness, housing literacy, and profile quality — calibrated to actual lender underwriting criteria.
Lender-Ready Document Vault
Securely store payslips, government ID, bank statements, employment letters, tax clearance, and utility bills. Six verified slots, one encrypted digital file.
Partner Mortgage Routing
Your verified profile gets routed to institutional mortgage partners. You never cold-call a bank — they receive your pre-qualified file directly.
OwnAm Safe Pay™ Escrow
When you identify a property, deposit funds are held safely in escrow until verified title and developer milestone delivery are validated.
Housing Literacy Quiz
Boost your score by completing quiz modules covering mortgage basics, NHF rules, affordability calculations, and borrower legal rights.
Mortgage Access Passport™
A certified digital credentials file proving your pre-qualification with unique Quest ID. Fast-tracks your application through approved mortgage channels.
— Transparent Fees
No Secret Bank Commissions. We Work for You.
Choose your readiness tier. Unlock pre-screening and lender routing without arbitrary markups.
Standard
- Official Quest ID assignment
- 6-dimension mortgage readiness score
- Housing literacy quiz access
- Document vault (6 verified slots)
- 90-day score improvement pathway
Mortgage Access Passport™
- Everything in Standard tier
- Branded readiness certificate & digital passport
- Full document verification by OwnAm compliance
- Partner mortgage bank introduction & routing
- Developer equity-matching eligibility
Diaspora Premium
- Everything in Mortgage Access Passport
- Foreign income verification and FX structuring
- Quarterly Nigeria Mortgage & Property Watch
- Dedicated senior mortgage advisor support
- BuildWatch remote property inspection reports
— Fast-Track Your Approval
Your Mortgage Readiness Score Is Waiting.
Take the free 3-minute assessment. No bank queue. No credit bureau inquiry. Know exactly what you qualify for before you apply.