Halal Home Financing

Discover a home financing solution that aligns with your faith through our Halal financing options. Our Sharia-compliant loan programs are designed to help you achieve homeownership without compromising your values.

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What Is a Halal Loan?

Halal home loans are financing solutions designed for buyers who want to align their home purchase with Sharia law. Instead of a traditional loan, you rent to own your home through a trust, with monthly payments that build your equity while staying true to your faith. If you’re looking for a faith-aligned approach to homeownership, Halal loans provide an alternative that honors your values while helping you achieve your dream home.

Program Details

Halal financing is a way to buy a home without paying interest (no riba). Instead of a loan, the property is held in trust, and you make structured payments that move you toward full ownership.

No Interest

Halal mortgages don’t use interest. Instead, the bank and the buyer share the cost, risk, and profit of the home.

Build equity while you rent

With a halal mortgage, you’re not just renting—you’re slowly buying your home. Each payment helps you own a bigger piece of the property. Over time, you build equity and work your way toward full ownership.

Available for U.S. residents and newcomers

Our Halal Home Financing program is available to both U.S. residents and newcomers. Whether you’re new to the country or have lived here for years, we’re here to help you buy a home the halal way.

Works with FHA, VA, Conventional, and other loans

Our Halal Home Financing program works with FHA, VA, Conventional, and other loan options to fit your unique needs.

How It Works

Trust Purchase

A special trust is created to buy the home for you. The trust holds the property while you live in it and begin your journey to ownership

Monthly Payments

You make monthly rent payments instead of paying interest. These payments gradually increase your ownership in the home.

Optional Buyout

When you’re ready, you can choose to buy the home from the trust. There is no obligation -it’s fully your decision.

Exploring Expanded Loan Options

Discover flexible and tailored financing solutions with expanded loan options designed to fit unique financial needs.

Bank Statement Loans: Mortgages that use bank statements to verify income, ideal for self-employed borrowers.

Asset Depletion Loans: Loans that calculate income based on liquid assets, useful for high-net-worth borrowers.

Hard Money Loans: Short-term, asset-based loans secured by property value, often used for real estate investments.

Commercial Loans: Loans designed for purchasing, refinancing, or developing commercial properties like offices or retail spaces.

DSCR (Debt-Service Coverage Ratio) Loans: Loans for real estate investors, qualified based on the property’s Debt Service Coverage Ratio (rental income vs. expenses).

Bridge Loans: Short-term loans that “bridge” the gap between buying a new property and selling an existing one.

Non-Warrantable Condos: Loans for condos that don’t meet conventional lending criteria, such as occupancy rates or financial reserves.

Foreign National Loans: Mortgages for non-U.S. citizens without U.S.-based credit history, often requiring larger down payments.

Cross Collateral Loans: Loans that use multiple properties as collateral to secure financing, common for investors or large transactions.

You might need an expanded loan solution
if you fall into any of these personas…

Self-employed individual

Provide bank statements, profit and loss statements, or asset depletion to demonstrate income and ability to repay.

Recent credit event

We often have more flexible waiting periods for credit events, allowing you to qualify sooner.

High net worth, low income

Asset-based lending is used, where assets like stocks or retirement funds are considered for loan qualification.

Investor with many properties

Consider a DSCR loan, which bases the loan qualification on the cash flow of the property being purchased, not personal income.

Out-of-country borrower

Rely on alternative documentation, such as international credit references, proof of foreign income, and a larger down payment.

Transitioning homeowner

Get a bridge loan, which provides the financial flexibility to transition smoothly, ensuring you don’t miss out on your ideal property.

Other unique financial situation

Don’t know what loan you need? Let us know so we can find an expanded loan solution that makes sense for you.

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Halal Home Financing FAQ

What makes this home financing Halal?

It avoids interest (riba) and uses a Shariah-compliant trust structure where you rent the home while gradually gaining ownership.

How is this different from a traditional mortgage?

Traditional mortgages charge interest, while halal financing uses a different structure like rental agreements to keep it compliant with Islamic principles.

Do I need to be a Muslim to apply?

No, our halal financing is open to anyone who prefers a faith-based, interest-free option.

What kind of credit or income do I need to qualify?

We review your overall financial picture, including credit and income, with flexibility when possible. Every situation is unique, so reach out to see what options are available for you.

Do you charge any hidden fees?

No, we believe in full transparency. All fees and costs will be clearly explained up front.

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

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Halal Home Financing

What Is a Halal Loan?

Program Details