Apply for a Federal Mortgage 2022

How to Access Federal Mortgage Bank of Nigeria NHF Loan – Federal Mortgage Application 2022

Apply for a Federal Mortgage Application for 2022/2023
Nigeria Federal Mortgage Bank (FMBN) Loan Application Form Reference Portal launched; Learn how to request an FMBN Loan Registration Form and Distribution Update.

Federal mortgage borrowers may be eligible for a maximum loan of N15 million.

Federal Mortgage Bank Housing Loan
Mortgage Bank Home Renovation Loan
Mortgage bank construction loan
Mortgage bank real estate development loan
Rent to Own Loan Mortgage Bank
NHF Diaspora Mortgage Bank Mortgage Loan


Any Nigerian over the age of 18

The applicant must be a contributor to the National Housing Fund for a minimum period of six months.

The applicant must have satisfactory proof of a regular stream of income to guarantee repayment of the loan.


The loan must be for the construction, purchase or renovation of a residential dwelling

No loans will be used for refinancing

Requirements for Federal Mortgage Application Form 2022/2023

  • Applicants must be 18 years or older
  • Savings account with a registered primary mortgage bank.
  • Contribution to the fund for at least six months.
  • Evidence of regular income streams.
  • Photocopies of other documents supporting the title.
  • Survey and site plans.
  • A copy of an approved building plan
  • Bill of quantities (if you have one)
  • Appraisal report prepared by chartered surveyors and appraisers, if applicable.
  • Three-year tax clearance certificate.
  • Letter of consent to the primary mortgage bank you have chosen.
  • Completed Mortgage Application Form.
  • Proof of contribution to the National Housing Fund.
  • Payslips for the last three months


The applicant must apply through a duly licensed and accredited Mortgage Loan Originator (MLO) of their choice and not directly with the Federal Mortgage Bank of Nigeria (FMBN).

The candidate’s chosen MLO must be accredited by FMBN to access the NHF facility. Application forms for NHF loans can be obtained from the MLO

How to Apply for Federal Mortgage Application Form 2022/2023

To apply online, go to the official website

Institutional borrowers can apply for the loan directly from the Federal Mortgage Bank of Nigeria (FMBN)
Individuals can only apply through a Principal Mortgage Bank (PMB) of their choice which is fully licensed. However, you cannot apply for the loan directly through FMBN.
Interested applicants should obtain loan applications from the same primary mortgage institution.
To use the National Housing Fund, you must have registered your main mortgage institution with the FMBN.
Code to verify federal mortgage transaction
The USSD CODE to use to perform these transactions is *219#
The Federal Mortgage USSD CODE transaction works this way, just:

Dial *219# and send
Type 2 and send
Enter 1 and send
Enter the exact month which is from 1 to 12 and send it.


The property for which the loan is requested will serve as collateral for the loan.

The property must comply with the town planning laws and regulations in force (approved building plan).

The property must have sufficient value to recover the loan.

A mortgage building must be insured against hazards

The loan must be secured by a first ranking legal hypothec on the property between the applicant and the originator of the mortgage and assigned to FMBN.


Open a savings account with a registered PMB

Contribution to the fund for at least six months prior to application.

Have satisfactory proof of a steady stream of income to secure the loan.

Submit photocopies of valid title documents (eg C of O).

Approved survey/site plans

Building plans approved

Bill of quantities priced, if applicable

Appraisal report prepared by a firm of experts and certified appraisers, if applicable

Three-year tax clearance

Mortgage consent letter to your chosen PMB

Completed Prescribed Mortgage Application Form

Evidence of NHF involvement

Copy of payslips for the last three months

Equity contribution of 30%, 20% or 10% personal equity depending on loan amount requested for loans of 15 million Naira, 10 million Naira and 5 million Naira respectively

Letter of offer/letter of acceptance and award (in case of government projects)

In the case of a registered independent candidate, a copy of the articles of association and memorandum of association and a copy of the certificate of incorporation as proof of employment status must be submitted.


A borrower is entitled to a maximum loan of fifteen million naira (N15,000,000.00) or as determined by the Bank.

No individual should be granted a loan greater than 90% of the cost or value of the property to be mortgaged.

The equity contribution based on the new borrowing amounts is as follows:

N15,000,000.00 – 30%

N10,000,000.00 – 20%

N5,000,000.00 – 10%


The rate of interest shall be as prescribed by the National Housing Fund Act, which shall not exceed 6% per annum.

These loans have helped people meet emergency needs, pay fees, take professional exams, make purchases, and invest in their startups, among other uses.

If you have a need or a dream and need access to money, I can help you process your request. You will receive your approved amount (from NGN 100,000 to NGN 5,000,000) deposited in your account 24 hours after successful submission of all required documents.

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