Own Your Dream Home in
Akwa Ibom State
Empowering Workers, Artisans, Farmers & Small Business Owners with constitutionally-backed housing solutions.
Start Your ApplicationWhy Trust Us?
SunRise Cooperative Society Ltd—the only FMBN-certified Cooperative in Akwa Ibom State—is leading the mission to help workers and income earners own affordable homes through the National Housing Scheme (NHS).
This programme is backed by the Nigerian Constitution (Act No. 2 of 1992 and Act No. 3 of 1992), which guarantees every Nigerian’s right to home ownership.
We are committed to helping workers, artisans, farmers, and business owners access mortgage funding, secure their housing documents, and transition into genuine homeowners.
Why You Must Join a Cooperative
To access the housing scheme, applicants must belong to a cooperative.
SunRise Cooperative is:
We help you handle all the steps—from NHF compliance to document processing, mortgage approval, and final allocation.
Who Is Eligible?
Anyone Earning Income and Paying Into a Bank Account.
If you earn income and can show bank inflow, you qualify.
Note: Workers under Akwa Ibom State Government already contribute 2.5% NHF automatically, which qualifies them after 6 months.
Categories of Land/Property Owners Who Can Apply
Whether you have complete or partial documents, SunRise Cooperative provides the guidance needed.
Affordable For Everyone
Understanding the Financial Requirements & House Qualification
Monthly NHF Contribution
Members become eligible after six months of consistent contribution.
For business owners and farmers, contributions are done monthly through the cooperative.
Affordability Index Method
The Federal Mortgage Bank uses this computation to place everyone in a category they can afford. No one is rejected.
House Types You May Qualify For:
Construction & Building Approval
Every construction must follow Federal Mortgage Bank guidelines to be approved.
Documentation & Location Support
- Securing State-issued Letter of Consent
- Processing Right of Occupancy (R of O) from your Local Government
- Facilitating C of O eventually
These documents guarantee you are fully protected and legally approved to build.
Your Local Government can issue: Right of Occupancy (R of O)
While the State Government issues: Letter of Consent (LOP)
SunRise Cooperative coordinates this process on your behalf.
A standard 1,000 sqm plot can be shared among 4 applicants:
- Each person gets 250 sqm
- Enough for a full self-contained structure
- Cost becomes more affordable
- Cooperative finances and structures the development
This method helps low and middle-income earners own property easily.
Application Steps (Simplified)
Join SunRise Cooperative Society Ltd.
Register as a member.
Fill the National Housing Scheme form
Complete the application details.
Submit Employment/Business/Bio-data Documents
Proof of income and identity.
Submit Land Papers (if available)
C of O, Survey plan, etc.
Submit One-Year Bank Statement
To verify financial capacity.
Begin/Continue 2.5% NHF Contributions
Consistent monthly payments.
Cooperative Processes & Submits File to FMBN
We handle the submission.
State/Local Govt Issues Land Document Consent
Regulatory approvals.
Construction Begins Through Approved Builders
Development starts on site.
You Take Possession of Your Home
Become a landlord.
“This programme is real, achievable, and ordained to help our people own homes. The fear that government housing programmes do not work is false. This one works — and we are ready to guide you every step of the way.”
Begin Your Home Ownership Journey Today
After submitting, a Housing Officer from SunRise Cooperative will contact you for the next steps.
Start Your Application HereVisit our office: Plot 5 Unit F, Ewet Housing Estate Uyo