you would not be able to solve the housing problem, until Nigeria develop an effective mortgage financing market. The core part of an effective mortgage financing market is the government entity that would be able to provide liquidity for the mortgage market. This entity would be the ones purchasing mortgages from financial agencies or companies and reselling them as mortgage security at the capital market. once there is an effective injection of funds into the sector, developer would be able to generate the funds needed to effectively reduce the housing problem.