Guidance Residential
Profit Rate
6.99% – 7.99%
Min Down
20%
States
All 50
Verified
Yes
Manzil
Profit Rate
7.1% – 7.8%
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
Manzil — 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.
Manzil
Modern Islamic fintech for home financing and wealth management. 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 reviewManzil
Manzil is our recommendation for US Muslim investors who want a modern, digital-first halal investing platform with strong Sharia credentials. Its Canadian track record, AAOIFI + AFSC dual screening, and roadmap toward integrated Islamic banking make it one of the most promising new entrants in the US Islamic finance market. Currently investing-only in the US — mortgages coming.
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.
Manzil serves 7 states: CA, FL, IL, MI, NJ, NY, TX.
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. Manzil: Modern Islamic fintech for home financing and wealth management. See the full rating breakdown and product comparison above.