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We finance dreams

Consistent with your values

The #1 U.S. Islamic Home Financing Provider®

Buy a Home Refinance

6 STEPS TOWARDS BUYING YOUR NEW HOME

We are here to guide you through the homebuying process

1

PLAN

Estimate what you can afford and plan ahead

Use our calculators
2

ACT

Pre-Qualify online in 10 minutes - No credit check required

Get Pre-Qualified
3

Connect

Connect with a licensed Guidance Account Executive

Get Connected
4

SHOP

Use our property search engine and find your dream home

Find Your Home
5

APPLY

View application checklist and apply for financing

Apply For Financing
6

CLOSE

Give a final walk through and prepare for the closing day!

Prepare for closing

Estimate what you can afford and plan ahead

Use our calculators

Pre-Qualify online in 10 minutes - No credit check required

Get Pre-Qualified

Connect with a licensed Guidance Account Executive

Get Connected

Use our property search engine and find your dream home

Find Your Home

View application checklist and apply for financing

Apply For Financing

Give a final walk through and prepare for the closing day!

Prepare for closing

WHAT MAKES GUIDANCE RESIDENTIAL DIFFERENT?

Guidance Residential offers unique benefits that distinguish it from other home financing providers. These benefits provide a transparent, consumer friendly home financing option which is consistent with the Muslim faith's strict prohibition on riba (usury).

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Co-ownership

Guidance Residential and home buyers each own a percentage as co-owners. Home buyers increase their share over a period of time through a monthly payment.

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Risk Sharing

Guidance Residential shares the risk with the homebuyer in case of natural disasters, eminent domain or foreclosure.

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Riba-free

The Declining Balance Co-ownership program, does not involve payment of riba. It is 100% riba-free.

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No Pre-payment Penalty

There is no pre-payment penalty required by Guidance Residential when a homebuyer wants to pay ahead of the agreed schedule.

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Capped Late Payment Fees

Guidance Residential will only charge a capped fee of $50 or less for late payments. The fee covers the expenses involved in administering a late payment rather than the standard 5% penalty, and will not be profited by Guidance Residential.

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Non-recourse Commitment

In the event of payment default, Guidance Residential does not pursue any of the homebuyer's other assets.

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Independent Shariah Board

Guidance Residential has an independent Shariah Board comprised of notable scholarly authority headed by Justice Muhammad Taqi Usmani, who is also the chairman of the Shariah Board for the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI).

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Endorsed By AMJA

The Declining Balance Co-Ownership Program of Guidance Residential has been endorsed by the Assembly of Muslim Jurists of America (AMJA) - an advisory group to the Muslim American public with experts in the Islamic jurisprudence.

The world is on the go

So are we. Download our mobile app and get access to your application status anytime, anywhere. Our app is available on the App Store and Google Play.

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Connect with your Account Executive

Track application status on the go

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