As a civil servant in Abuja, there are several steps you can take to obtain a mortgage loan:

Determine your budget: Before applying for a mortgage, you should determine how much you can afford to spend on a monthly mortgage payment. This will help you determine how much you can borrow and what kind of home you can afford.

Choose a mortgage lender: There are several mortgage lenders in Abuja, including banks, mortgage companies, and credit unions. Research and compare lenders to find one that offers favorable terms and rates.

Gather your financial documents: You will need to provide proof of income, employment, and creditworthiness when applying for a mortgage. Gather your pay stubs, tax returns, bank statements, and any other relevant financial documents.

Complete a mortgage application: Once you have chosen a lender and gathered your financial documents, you can complete a mortgage application. The application will ask for information about your income, employment, debts, and assets.

Get pre-approved: Getting pre-approved for a mortgage can help you determine how much you can borrow and what kind of home you can afford. Pre-approval also shows sellers that you are a serious buyer.

Find a home: Once you are pre-approved for a mortgage, you can begin your home search. Work with a real estate agent to find homes that fit your budget and needs.

Complete the mortgage process: Once you have found a home and agreed on a purchase price, you will need to complete the mortgage process. This includes a home appraisal, title search, and closing.

Remember, obtaining a mortgage loan is a serious financial commitment. It's important to do your research, choose a reputable lender, and carefully consider your budget and needs before taking on a mortgage.