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Since our launch in 2002, Guidance Residential has served as the leader in Islamic home financing in America. Our approach is unique in its authenticity. Guidance is an independent business founded solely to provide an alternative approach to a traditional mortgage. We are not affiliated with a bank and thus free of dealings with Riba. Our Co-Ownership Model was developed in consultation with 18 law firms and six of the world's leading Islamic finance scholars. It has been endorsed by the Assembly of Muslim Jurists of America, and we continue to be guided by an independent shariah board.

Guidance is the only home financier in America with this type of authenticity.

Our model allows faith-conscious families to own their homes without compromising their values. It also offers unique benefits over the conventional banking system and other bank owned entities, such as:

When you decide to buy a home, Guidance Residential will purchase the property with you, as co-owners. You’ll increase your share over time through a monthly payment that also includes a utilization fee for your exclusive use of the property.

While our Riba-free service offers peace of mind, it also makes financial sense. See our competitive rates. You can buy your first home for as little as 3% down and to further assist you, we're offering up to $1500* in down payment assistance!

At Guidance, we take pride in streamlining your journey to homeownership.

Here are the 5 steps in the home buying process.

1. Pre-Qualify
2. Get Pre-Approved
3. Connect With an Agent
4. Shop
5. Close

Your Account Executive will be there for you all along the way. Have questions or ready to get started? Give us a call at 1.866.GUIDANCE or SCHEDULE AN APPOINTMENT. We’ll be happy to help.

If you already own a home, Guidance can help you refinance. Rates have fallen far more than experts predicted this season and are now nearing their all-time low. You may consider refinancing for several reasons:

• Guidance is an independent business founded solely to provide an alternative approach to a traditional mortgage. We are not affiliated with a bank and thus free of dealings with Riba. Guidance is the only home financier in America with this type of authenticity. Experience the Guidance Difference.
• Save on your monthly payments by refinancing to a lower rate.
• Take advantage of the equity in your home with our cash-out refinance option. You could pay for expenses like college tuition, home renovations, Hajj or Ummrah, or pay off debt that has Riba associated with it.
• Pay off your home sooner by shortening the term of your contract.

Call 1.866.GUIDANCE or SCHEDULE A FREE CONSULTATION with a licensed Account Executive to learn more about refinancing with Guidance.

Buying a Home With Guidance

Refinance a Home

More about Guidance Residential