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Nigeria: 081 73882222

 +234-81 7388222

Architects at Work


A Mortgage Loan Officer will be with you every step of the way and ready to assist you when you need them the most. This is the moment of your home purchasing decision-making process. Affordable Homes Cooperate Society can assist you with consultation services that will make the process a lot easier. Ask for a Mortgage Loan Officer.


Affordable Homes Cooperative Society offers a variety of mortgage resources that can help you through the loan process

Home Purchase Tips:

What you need to know

Congratulations on your decision to buy a new home, refinancing a property, or renovating an existing home! Listed below are some important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.


In General...

Purchasing a home is likely your largest financial transaction ever, so it's important to make the right and sound decisions and to be attentive to the details. A Real Estate Agent or Mortgage Loan Officer could offer an efficient, pleasant, and ultimately rewarding experience.


Affordable Homes Cooperative Society Agent can:

  1. Preview available homes to eliminate overpriced and undesirable homes.

  2. Present a selection that fits your needs.

  3. Help you determine the difference between a "good deal" and a "bad deal," in terms of property which could be problematic to sell at a breakeven price or more because of its nature (neighborhood, market appeal, etc.) in the future if you decide to sell.

  4. Negotiate the best EASY-Mortgage Loan deal for you. With a Pre-Qualification letter from us in hand, you will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

Count on Us and Your Loan Officer to:

  1. help you select the best loan option that fits your personal situation and goals. (This single decision can save you lots of money throughout the years!)

  2. Regularly informed of your loan status throughout the entire process.

  3. Keep you or your Real Estate Agent - if you have one, informed of our loan progress (Note: your personal information will always be kept confidential; only deal points and progress are shared).

  4. Get the appropriate and affordable loan for you at the best rates and fees. 

Your Role Will Be to:

  1. Inform your Real Estate Agent - if you have one of any questions or concerns as they develop during the process.

  2. Provide all necessary documentation in a timely manner to move the process faster. Doing so will help you comfortable, direct your focus on other important issues, such as work on last-minute details or events that require your attention.

  3. Enjoy the dreams of purchasing your home, but keep it objectively throughout the process and make the business decisions that are best for you.

  4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.


These mortgages are a great way to purchase high-value real estate while keeping your monthly financing obligations affordable.

Modern House
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Affordable mortgage loans are the best options for low to moderate income borrowers who meet specific income criteria.

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House Frames

This type of Loan is perfect for first-time homebuyers — and those with less-than-perfect or limited credit history.

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Credit Assessment

With these loans you are offered all the advantages of the traditional mortgages, plus a lower interest rate—and you'll own your home sooner. 

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Mortgage Checklist
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Mortgage Checklist

To expedite the loan process, we would require the following information from you:

  • You must be a citizen of Nigeria or have a current residence authorisation from the Nigerian government

  • Current Nigerian State ID or a voting card ID.

  • Current pay stubs or, if self-employed, your tax returns for the past two years

  • Bank statements for the past two months

  • Investment account statements for the past two months

  • Retirement account statements for the past two months

  • Credit card account information

  • Auto loan or lease account information

  • Personal loan account information

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Mortgage Checklist

If you currently own Real Estate:

  • Mortgage account information

  • Home insurance policy information

  • Home equity account information (if applicable)


E A Z Y -



( 1 ) The above loans terms are subject to credit approval. Certain terms, conditions and restrictions may apply; contact Affordable Homes Cooperative Society for details. Affordable Homes Cooperative Society. NMLS # 18033

( 2 ) The above list is not exhaustive. Affordable Homes Cooperative Society may require other documentation as needed.

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