halal
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Home Financing Hub
Home Financing, side by side.
Compare 7 Islamic mortgage providers side by side. Musharakah, Ijara, and Murabaha structures.
    7
    Providers
    50
    States
    3
    Structures
    Yes
    Mufti review surface
Top picks
Three places to start.
Listed
Featured
Guidance Residential
Best for: Diminishing Musharakah at scale
24+
Years operating
1
Structures
35
States
·
Diminishing Musharakah structure
·
Available in all 50 states
·
AAOIFI Sharia advisory board
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Ijara CDC
Best for: Ijara structure, multi-product (home, auto, business)
24+
Years operating
1
Structures
·
Ijara wa Iqtina structure
·
Home, auto, and business financing
·
Established Sharia methodology
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Ameen Housing
Best for: Cooperative Musharakah model
30+
Years operating
1
Structures
1
States
·
Member-owned cooperative
·
Diminishing Musharakah
·
Long-term member-financier alignment
Listed for transparency. Full Mufti Saad review pending corpus seed.
The Mufti's Take
Mufti Saad's signed analysis on home financing lands when corpus content covers this category.
Per MUFTI_CONTENT_POLICY.md, this block carries Mufti Saad's name only when content originates from his actual review. We do not draft in his voice.
Conventional vs halal
The five differences that matter.
Interest
Charged on principal
No interest. Returns come from rent (Ijara), profit-sharing (Musharakah), or transparent markup (Murabaha).
Risk sharing
Lender bears no asset risk
Financier shares the asset or venture risk. That is the structural condition for return.
Late fees
Often retained as profit
Capped, transparent, and (per Mufti review) typically donated or cost-recovery only.
Default treatment
Full deficiency pursued
Often limited recourse; varies per contract. Mufti review verifies the recourse policy.
Ownership
Lender holds a lien on collateral
Genuine partial ownership (Musharakah) or financier ownership with lease (Ijara).
All providers
Every home financing provider we track.
Listed
Guidance Residential
Best for: Diminishing Musharakah at scale
24+
Years operating
1
Structures
35
States
·
Diminishing Musharakah structure
·
Available in all 50 states
·
AAOIFI Sharia advisory board
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Ijara CDC
Best for: Ijara structure, multi-product (home, auto, business)
24+
Years operating
1
Structures
·
Ijara wa Iqtina structure
·
Home, auto, and business financing
·
Established Sharia methodology
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Ameen Housing
Best for: Cooperative Musharakah model
30+
Years operating
1
Structures
1
States
·
Member-owned cooperative
·
Diminishing Musharakah
·
Long-term member-financier alignment
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
UIF Corporation
Best for: Multi-product halal banking and financing
23+
Years operating
2
Structures
32
States
·
Banking + financing under one roof
·
Diminishing Musharakah and Murabaha
·
FDIC bank affiliation via University Bank
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
LARIBA
Best for: Long-track-record auto and home financing
39+
Years operating
2
Structures
27
States
·
Decades of operating history
·
Auto, home, and business financing
·
Riba-free structures
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Devon Bank
Best for: FDIC-insured halal banking with home financing
81+
Years operating
1
Structures
34
States
·
FDIC-insured
·
Banking + home + business financing
·
Murabaha home structure
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Manzil
Best for: Newer entrant, US expansion in progress
·
Murabaha home structure
·
Digital-first application
·
Recent US expansion
Listed for transparency. Full Mufti Saad review pending corpus seed.
Home Financing by state.
Compare home financing options state by state. Provider availability and rates vary by location.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
FAQ
Common questions, editorial answers (for now).
These FAQ answers are editorial. Per MUFTI_CONTENT_POLICY.md they will be replaced with corpus-sourced Mufti rulings as the Q&A archive grows.
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