Guidance Residential
Profit Rate
6.99% – 7.99%
Min Down
20%
States
All 50
Verified
Yes
Ameen Housing Co-operative
Profit Rate
6.75% – 7.75%
Min Down
20%
States
7 states
Verified
Yes
Overall Score
Sharia Compliance
Transparency
Customer Service
Guidance Residential — All 50 States
🌎 Nationwide coverage
Available in all 50 US states
Ameen Housing Co-operative — 7 States
Guidance Residential
The largest Islamic home financing provider in the US, having financed over $10 billion in Sharia-compliant mortgages for 40,000+ families since 2002. Serves 35 states. AAOIFI cert Independently rated 4.8/5 with particularly strong scores on Sharia compliance.
Ameen Housing Co-operative
California-based Islamic housing cooperative founded in 1980. One of the earliest halal housing providers in the US, serving the Bay Area and West Coast Muslim community for over 4 Independently rated 4.3/5 with particularly strong scores on Sharia compliance.
* Ratings based on independent editorial review. We may receive a referral fee if you apply through our links — this does not affect our ratings.
Overall winner: Guidance Residential (4.8/5)
Guidance Residential remains our #1 recommendation for US Muslim homebuyers. Its $10B+ track record for 40,000+ families, AAOIFI certification with Justice Muhammad Taqi Usmani chairing the Sharia board, and jumbo program up to $3M make it the most complete Islamic mortgage provider in the US.
Guidance Residential
Guidance Residential remains our #1 recommendation for US Muslim homebuyers. Its $10B+ track record for 40,000+ families, AAOIFI certification with Justice Muhammad Taqi Usmani chairing the Sharia board, and jumbo program up to $3M make it the most complete Islamic mortgage provider in the US.
Full reviewAmeen Housing Co-operative
Ameen Housing is our recommendation for Bay Area Muslim buyers who value the cooperative model and community membership over transaction speed. Its 45-year history in the California Muslim community is a testament to its integrity. For buyers who need fast financing, Guidance Residential or UIF are better fits.
Full reviewRatings based on independent editorial research. No provider pays to receive a higher score.
Based on Fair Meridian's independent ratings, Guidance Residential scores higher overall with a 4.8/5 rating. However, the best choice depends on your state, financing structure preference, and specific needs.
Yes. Guidance Residential is licensed in all 50 US states.
Ameen Housing Co-operative serves 7 states: CA, TX, WA, OR, NV, AZ, CO.
Guidance Residential: The largest Islamic home financing provider in the US, having financed over $10 billion in Sharia-compliant mortgages for 40,000+ families since 2002. Serves 35 states. AAOIFI certified. Sharia board chaired by Justice Muhammad Taqi Usmani. Ameen Housing Co-operative: California-based Islamic housing cooperative founded in 1980. One of the earliest halal housing providers in the US, serving the Bay Area and West Coast Muslim community for over 45 years. See the full rating breakdown and product comparison above.