LARIBA — American Finance House
Profit Rate
7% – 8.5%
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
LARIBA — American Finance House — All 50 States
🌎 Nationwide coverage
Available in all 50 US states
Ameen Housing Co-operative — 7 States
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.
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: LARIBA — American Finance House (4.4/5)
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.
LARIBA — 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 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, LARIBA — American Finance House scores higher overall with a 4.4/5 rating. However, the best choice depends on your state, financing structure preference, and specific needs.
Yes. LARIBA — American Finance House is licensed in all 50 US states.
Ameen Housing Co-operative serves 7 states: CA, TX, WA, OR, NV, AZ, CO.
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. 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.