Is this genuinely Sharia-compliant?

The structures we work with are designed to comply and are reviewed accordingly. We encourage every family to satisfy themselves independently, and we will provide the documentation needed to do that.

Is the process different from a conventional purchase?

The underwriting is broadly familiar; the ownership structure is what differs. We will walk you through it before you commit to anything.

Can I use it for an investment property?

It depends on the specific structure. Ask us and we will tell you honestly.

Programs others skip

Halal & Sharia-Compliant Financing

Homeownership that does not require a compromise of faith.

Sharia-compliant home financing structures ownership through partnership and profit-sharing arrangements rather than interest-bearing debt. For observant Muslim families this is not a preference — it is the difference between buying and not buying.

See if I qualify Call 708-888-1518

An American family home with a walled front courtyard garden, fig and olive trees in pots, in late afternoon light

Who this is for

Muslim families for whom riba-based lending is not an option
Anyone who has been renting for years because conventional financing was off the table
Buyers who have been told by other lenders that this simply doesn't exist

Structured, not relabelled
These are genuine partnership and cost-plus structures, not a conventional loan with different marketing.
Almost nobody offers this
Search your area. You will find very few brokers who will even discuss it. That gap is the reason we built this out.
A conversation without a sales pitch
We will explain how the structure works, what it means practically, and where its limits are.
Across our footprint
Available throughout the twenty-seven states we are licensed in.

Common questions

The things people
actually ask.

Is this genuinely Sharia-compliant?: The structures we work with are designed to comply and are reviewed accordingly. We encourage every family to satisfy themselves independently, and we will provide the documentation needed to do that.
Is the process different from a conventional purchase?: The underwriting is broadly familiar; the ownership structure is what differs. We will walk you through it before you commit to anything.
Can I use it for an investment property?: It depends on the specific structure. Ask us and we will tell you honestly.

Ask about Halal financing

Two quick questions to start. A licensed loan officer calls you back — usually within minutes.

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Equal Housing
Lender
NMLS #1660690Sam Ahmed #221307
Licensed in 27 statesPowered by NEXA Mortgage, LLC

From people in the same position

“Most mortgage sites feel like talking to a robot. Homeland felt like talking to a neighbor. They explained the difference between FHA and Conventional in plain English so I could choose what was best.”
Sarah M.Joliet, IL
“Speed is an understatement. We were in a bidding war in Oswego and needed a pre-approval letter on a Sunday evening. Sam picked up the phone and got it done. We won the house.”
Daniel L.Oswego, IL
“I was looking for a mortgage company that didn't view me as just another number. I wanted to be treated like a human being! I was referred by my friend and I'm glad I was! They took care of me!”
Brad J.Frankfort, IL