Guidance Residential
Profit Rate
6.99% – 7.99%
Min Down
20%
States
All 50
Verified
Yes
LARIBA — American Finance House
Profit Rate
7% – 8.5%
Min Down
20%
States
All 50
Verified
Yes
Overall Score
Sharia Compliance
Transparency
Customer Service
Guidance Residential — All 50 States
🌎 Nationwide coverage
Available in all 50 US states
LARIBA — American Finance House — All 50 States
🌎 Nationwide coverage
Available in all 50 US 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.
LARIBA — American Finance House
America's oldest Islamic finance institution, founded in 1987. LARIBA pioneered interest-free financing in the US using its unique Declining Balance Cost of Funds (DBCOF) model. Independently rated 4.4/5 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 reviewLARIBA — American Finance House
LARIBA is our recommendation for buyers who value historical precedent and LARIBA's unique DBCOF financing model. Its nearly 40-year track record is unmatched in the US Islamic finance market. Particularly recommended for California buyers and for buyers who have done extensive research and specifically seek LARIBA's philosophical approach to interest-free finance.
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.
Yes. LARIBA — American Finance House is licensed in all 50 US 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 certified. Sharia board chaired by Justice Muhammad Taqi Usmani. LARIBA — American Finance House: America's oldest Islamic finance institution, founded in 1987. LARIBA pioneered interest-free financing in the US using its unique Declining Balance Cost of Funds (DBCOF) model. See the full rating breakdown and product comparison above.