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We finance dreams

Consistent with your values

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

Buying A Home?

Select an option based on where you are in your home buying stage

Pre-Qualify

Get your pre-qualification status with Guidance Residential. There is no credit check and it takes less than 10 mintues to complete the online pre-qualification process. Select this option if any of the following applies to you.

  • I want to know my affordability
  • I do not have a specific time-frame yet
  • I am saving for my down payment

Pre-Approval

Apply with Guidance Residential for financing pre-approval. You will fill out an online application form and upload required documentation. Select this option if the following applies to you. View document checklist.

  • I am buying a home in 0-4 months
  • I am actively searching for a home
  • I want to be ready to make an offer

Home Shopping

Get connected with a licensed and vetted local real estate expert from Guidance Home Services partner agent network. 97% of home buyers recommended this. Select this option if the following applies to you. Learn more.

  • I am buying a home in 0-4 months
  • I am pre-approved for financing
  • I do not have a real estate agent

Full Approval

Complete your home financing application that you started with Guidance Residential. You will upload the documents that are needed to complete underwriting review. View document checklist.

  • I have a signed purchase agreement
  • I was pre-approved earlier
  • I have the down payment for financing

Pre-Qualify

Get your pre-qualification status with Guidance Residential. There is no credit check and it takes less than 10 mintues to complete the online pre-qualification process. Select this option if any of the following applies to you.

  • I want to know my affordability
  • I do not have a specific time-frame yet
  • I am saving for my down payment

Pre-Approval

Apply with Guidance Residential for financing pre-approval. You will fill out an online application form and upload required documentation. Select this option if the following applies to you. View document checklist.

  • I am buying a home in 0-4 months
  • I am actively searching for a home
  • I want to be ready to make an offer

Home Shopping

Get connected with a licensed and vetted local real estate expert from Guidance Home Services partner agent network. 97% of home buyers recommended this. Select this option if the following applies to you. Learn more.

  • I am buying a home in 0-4 months
  • I am pre-approved for financing
  • I do not have a real estate agent

Full Approval

Complete your home financing application that you started with Guidance Residential. You will upload the documents that are needed to complete
underwriting review. View document checklist.

  • I have a signed purchase agreement
  • I was pre-approved earlier
  • I have the down payment for financing

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.

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