Buying a home without riba shouldn't require a finance degree.
Plain-English, independent guides to halal home financing in the United States — how the contracts actually work, what they cost, who offers them, and the questions people are afraid to ask out loud.
Start with the guidesStart Here
Eleven guides, written to be read in order — or jump straight to the one you need.
Fatwas & Scholars
Who approved it, and who they are
How It Works
The contracts, plainly
Cost & Questions
What it costs, and the honest critique
Take Action
Providers & the process
All 17 pages, grouped by stage — read top to bottom, or jump straight to the one you need
The History of Islamic Home Financing in the US
From a single West Coast pioneer in 1987 to Freddie Mac liquidity, a regulated bank subsidiary, and a 2026 merger — how the industry actually grew up.
Read the guide → The Approval ChainFatwas and Financing Models: What Actually Backs a Halal Mortgage
Two different questions people conflate — whose fatwa approved this, and what kind of company is actually lending — and why the answers to both matter.
Read the guide → The ScholarsMeet the Scholars Behind the Fatwas
Six scholars whose names show up on Shariah boards across the industry — who they are, what they've studied, and which providers rely on them.
Read the guide → The FoundationHow Islamic Home Financing Works in the US
What "no interest" actually means in practice, and how a halal home purchase is structured from offer to closing.
Read the guide → The ContractsMusharakah vs. Ijara vs. Murabaha, Explained Simply
The three structures behind every halal mortgage in America — what you're actually signing, and how they differ.
Read the guide → The Honest QuestionIs a "Halal Mortgage" Actually Halal?
The payments look like a conventional mortgage. The contract gets sold to Freddie Mac. So what's really different? A fair look at both sides.
Read the guide → The MoneyHalal Mortgage vs. Conventional: What It Really Costs
The "halal premium," trust setup fees, and where Islamic financing can actually protect you better than a bank loan.
Read the guide → The NumbersHalal Mortgage Cost Calculator: A $500,000 Example
Traditional financing against three illustrative halal programs, side by side — change the home price, down payment, or rate and watch every number update.
Read the guide → The ProvidersIslamic Home Financing Providers in the US
Who actually offers Shariah-compliant home financing in America, which model each one uses, and how to compare them.
Read the guide → The Coverage MapWhere Halal Home Financing Is Available by State
Providers are licensed state by state, not nationwide — where each one actually operates, and how to verify it yourself.
Read the guide → The ProcessBuying a Home with Halal Financing, Step by Step
From pre-qualification to keys in hand — what's the same as a conventional purchase, what's different, and where people get stuck.
Read the guide →Independent
No provider pays us, sponsors us, or reviews our drafts. If that ever changes, it will be disclosed on every affected page.
Plain English
Musharakah, Ijara, Murabaha — explained the way a friend would over coffee, not the way a contract reads.
Both Sides
The skeptic's case gets the same airtime as the provider's case. You deserve both before signing the biggest contract of your life.