--- title: GR_Ramadan Campaign_Landing Page_MuslimMatters_2021 description: Locking in lower rates can mean big savings for years to come. To make it even easier, we’re offering a Ramadan Refinance Special, a $500 credit at closing. image: https://www.guidanceresidentialpages.com/hubfs/GR_logo_small.png --- [![GR_LOGO_EXCEPTIONAL_PNG_May16.png](https://www.guidanceresidentialpages.com/hs-fs/hubfs/GR_LOGO_EXCEPTIONAL_PNG_May16.png?width=140&height=75&name=GR_LOGO_EXCEPTIONAL_PNG_May16.png "GR_LOGO_EXCEPTIONAL_PNG_May16.png")](https://www.guidanceresidential.com) ** Ramadan Spring Refinance Special - Save $500*** Refinance now and receive a $500 credit* ! As the U.S. leader in Islamic home financing, Guidance Residential has provided more than $7 billion in home financing, serving more than 28,000 families. Experience the Guidance difference!   [![SCHEDULE FREE CALL](https://no-cache.hubspot.com/cta/default/736352/7956b088-b827-4707-a432-d439a8be6878.png)](https://cta-redirect.hubspot.com/cta/redirect/736352/7956b088-b827-4707-a432-d439a8be6878)  [![APPLY NOW](https://no-cache.hubspot.com/cta/default/736352/c050270d-3b03-4706-a3f2-c5d8e542420f.png)](https://cta-redirect.hubspot.com/cta/redirect/736352/c050270d-3b03-4706-a3f2-c5d8e542420f) **or call 1.866.GUIDANCE**   [![bw_bloomberg](https://www.guidanceresidentialpages.com/hs-fs/hubfs/bw_bloomberg.png?width=150&name=bw_bloomberg.png)](https://www.guidanceresidential.com/guidance-in-the-news)               [![bw_thenytimes](https://www.guidanceresidentialpages.com/hs-fs/hubfs/bw_thenytimes.png?width=150&name=bw_thenytimes.png)![bw_cnn-1](https://www.guidanceresidentialpages.com/hs-fs/hubfs/bw_cnn-1.png?width=150&name=bw_cnn-1.png)![bw_npr](https://www.guidanceresidentialpages.com/hs-fs/hubfs/bw_npr.png?width=150&name=bw_npr.png)![bw_huffpost](https://www.guidanceresidentialpages.com/hs-fs/hubfs/bw_huffpost.png?width=150&name=bw_huffpost.png)![bw_washingtonpost](https://www.guidanceresidentialpages.com/hs-fs/hubfs/bw_washingtonpost.png?width=150&name=bw_washingtonpost.png)](https://www.guidanceresidential.com/guidance-in-the-news)   Home financing rates are near historic lows. That means now is a great time to save by refinancing your home.  For most people, their home is their biggest investment of their lifetime, and their biggest monthly expense. Locking in lower rates can mean big savings for years to come. To make it even easier to take this important step while rates are still low, we’re offering a **Ramadan Spring Refinance Special, a $500 credit at closing*.** This is an opportunity we think you won’t want to miss. 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*.**](https://www.guidanceresidential.com/why-guidance-islamic-mortgage)  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**](https://www.guidanceresidential.com/why-guidance-islamic-mortgage), 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: Call **1.866.Guidance** or [**SCHEDULE A FREE CONSULTATION**](https://calendly.com/guidance2019/30-minute-meeting-2021-ramadan-refi-special-muslim-matters) with a licensed Account Executive to find out if refinancing now is right for you. **![risksharing](https://www.guidanceresidentialpages.com/hs-fs/hubfs/risksharing.png?width=100&name=risksharing.png)****Sharing in losses like natural disasters **The risk is shared in case of losses such as damage from hurricanes or earthquakes, based on the percent of the home you own vs. the percent Guidance owns. In a traditional mortgage, the homeowner is responsible for the entire burden alone. **![cappedlatepaymentfees](https://www.guidanceresidentialpages.com/hs-fs/hubfs/cappedlatepaymentfees.png?width=100&name=cappedlatepaymentfees.png)****Caps on Fees** Traditionally, late fees are calculated by conventional providers as a percentage of the late monthly payment, and they’re a source of profit. With Guidance, there are no interest charges on late payments—we charge only a capped $50 fee to cover the expenses of administering the late payment. ![nonrecoursecommitment](https://www.guidanceresidentialpages.com/hs-fs/hubfs/nonrecoursecommitment.png?width=100&name=nonrecoursecommitment.png)**Non-recourse commitment **In many conventional loan programs, other assets like savings accounts, pensions, and college funds can be seized in the event of a default. Guidance doesn’t do that. Today, Guidance serves home-owners in over 30 states from coast to coast, and our [program](https://www.guidanceresidential.com/islamic-home-financing-co-ownership-program) has been honored with [awards](https://www.guidanceresidential.com/islamic-home-finance-awards-recognition) from entities ranging from Freddie Mac to HousingWire, a leading U.S. trade publication. Since 2002, through this model, we’ve helped more than [**28,000 families**](https://www.guidanceresidential.com/customer-reviews) achieve homeownership. For videos on more Frequently Asked Questions regarding Guidance Residential and Islamic home financing, please visit [this page](https://www.guidanceresidential.com/shariah-compliant-faq-video-library).     [![SCHEDULE FREE CALL](https://no-cache.hubspot.com/cta/default/736352/7956b088-b827-4707-a432-d439a8be6878.png)](https://cta-redirect.hubspot.com/cta/redirect/736352/7956b088-b827-4707-a432-d439a8be6878) ## ![buyhome](https://www.guidanceresidentialpages.com/hs-fs/hubfs/buyhome.png?width=100&name=buyhome.png) ## Buying a Home With Guidance ---   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**](https://www.guidanceresidential.com/islamic-home-financing-rates). You can buy your first home for as little as [**3% down **and to further assist you,](https://www.guidanceresidential.com/islamic-home-finance-options) we're offering up to [$1500* in down payment assistance!](https://www.guidanceresidentialpages.com/gr_creditprogram-march2020?hsLang=en) 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](https://www.guidanceresidential.com/apply/?referral=GR_Ramadan_Refi_Special_2021_Muslim_Matters) **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**](https://calendly.com/guidance2019/30-minute-meeting-2021-ramadan-refi-special-muslim-matters?month=2021-03)[**. **](https://calendly.com/guidance2019/30-minute-meeting-launchgood-ramadan2020) We’ll be happy to help. ![refinanceicon](https://www.guidanceresidentialpages.com/hs-fs/hubfs/refinanceicon.png?width=100&name=refinanceicon.png) ## Refinance a Home ---   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*****.**](https://www.guidanceresidential.com/why-guidance-islamic-mortgage?__hstc=238422495.29ada13caec1b2951a133ab1df78a632.1577980483816.1587580761497.1587593251572.102&__hssc=238422495.1.1587593251572&__hsfp=1888786575)  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**](https://calendly.com/guidance2019/30-minute-meeting-2021-ramadan-refi-special-muslim-matters) with a licensed Account Executive to learn more about refinancing with Guidance. ## ![trophy](https://www.guidanceresidentialpages.com/hs-fs/hubfs/trophy.png?width=100&name=trophy.png) ## More about Guidance Residential ---   [![hp-rise-generalbadge-small](https://www.guidanceresidentialpages.com/hs-fs/hubfs/hp-rise-generalbadge-small.png?width=120&name=hp-rise-generalbadge-small.png)](https://www.guidanceresidential.com/islamic-home-finance-awards-recognition) [![best-islamic-financier-2019 (1)](https://www.guidanceresidentialpages.com/hs-fs/hubfs/best-islamic-financier-2019%20(1).jpg?width=120&name=best-islamic-financier-2019%20(1).jpg)![gr-vanguardaward-logo-it-website](https://www.guidanceresidentialpages.com/hs-fs/hubfs/gr-vanguardaward-logo-it-website.jpg?width=120&name=gr-vanguardaward-logo-it-website.jpg)](https://www.guidanceresidential.com/islamic-home-finance-awards-recognition)   **Here’s why customers choose Guidance Residential:** - No Riba-based bank affiliation - Global pioneer in Islamic Finance - Co-ownership Model with highly competitive rates - Nation’s leading Islamic alternative to a traditional mortgage For videos on more Frequently Asked Questions regarding Guidance Residential and Islamic home financing, please visit [**this page**](https://www.guidanceresidential.com/shariah-compliant-faq-video-library?__hstc=238422495.4941c7ac104c774daa5491f0bde0c446.1557755098663.1562864776393.1562952058695.20&__hssc=238422495.3.1562952058695&__hsfp=2085519510) [![SCHEDULE FREE CALL](https://no-cache.hubspot.com/cta/default/736352/7956b088-b827-4707-a432-d439a8be6878.png)](https://cta-redirect.hubspot.com/cta/redirect/736352/7956b088-b827-4707-a432-d439a8be6878) [![APPLY NOW](https://no-cache.hubspot.com/cta/default/736352/c050270d-3b03-4706-a3f2-c5d8e542420f.png)](https://cta-redirect.hubspot.com/cta/redirect/736352/c050270d-3b03-4706-a3f2-c5d8e542420f) **or call 1.866.GUIDANCE**   **$500 credit at closing for 15-year, 30-year, 20-year and Jumbo contracts. Both existing Guidance Residential customers and new to Guidance customers are eligible for this offer. Promotion cannot be combined with any other offer, discount, pricing exception or Special Program. Applications must be submitted between April 1, 2021, and June 30, 2021. Excludes customers currently with an active application, customers that are not current, or customers who have financed with Guidance within the last 120 days. Contracts must close by September 30, 2021. Only available on approved contracts. Other restrictions may apply. Refinance option may not be available for some Texas contracts. Contact us for additional information.*   **Credits up to **$1,500** available to certain qualified homebuyers based on factors including income and credit score. See Account Executive for detailed terms and conditions. Requirements may change without notice. **Only available in 28 states**. Counseling course is required, $99 fee applies. Limited credits available and you must close by **December 30,2021**. The approved credit can only be applied towards down payment or closing costs.* [![GR_logo_small.png](https://www.guidanceresidentialpages.com/hs-fs/hubfs/GR_logo_small.png?width=180&name=GR_logo_small.png "GR_logo_small.png")](https://www.guidanceresidential.com/) [**](https://www.facebook.com/GuidanceResidential/)   [**](https://twitter.com/GuidanceRes)   [**](https://www.linkedin.com/company/guidance-residential)   [**](https://www.youtube.com/user/GuidanceMarketing)   [**](https://search.google.com/local/reviews?placeid=ChIJeRw3WsxJtokR9EnmqX0c-e8)  [HOME](http://guidanceresidential.com)   |   [LICENSING AND REGISTRATIONS](https://www.guidanceresidential.com/licensing-and-registrations)   |   [PRIVACY AND SECURITY](https://www.guidanceresidential.com/privacy-and-security) ![Equal_Housing_Opportunity_PNG](https://www.guidanceresidentialpages.com/hs-fs/hubfs/Equal_Housing_Opportunity_PNG.png?width=52&name=Equal_Housing_Opportunity_PNG.png)         ![consumeraccess](https://www.guidanceresidentialpages.com/hs-fs/hubfs/consumeraccess.png?width=113&name=consumeraccess.png)​         NMLS# 290 8    |   1.866.Guidance | © Guidance Residential, LLC 2021 | All Rights Reserved Website Approved by the NYS Department of Financial Services ![](https://www.facebook.com/tr?id=706562056156528&ev=PageView&noscript=1)