Acquire residential or commercial property without interest (riba) through Sharia-compliant financing structures. We work with lenders offering genuine halal mortgage products and guide you through the options available in California today.
Islamic finance structures allow Muslims to purchase property in a manner consistent with Islamic law. The most common structures used in the US are Murabaha and Diminishing Musharakah.
The lender purchases the property and sells it to you at an agreed-upon price (cost plus a fixed profit margin), payable over time. No interest charges — the profit margin is fixed at the outset and does not change. Common for commercial property acquisitions.
The lender and buyer co-own the property. The buyer makes monthly payments that include both a rent payment (for the lender's share) and an equity buyout payment. Over time the buyer acquires 100% ownership. Common for home purchases and most residential Islamic finance products in the US.
Muslim buyers who want to own residential or commercial property without violating Islamic law's prohibition on riba (interest). Also appropriate for buyers who simply prefer a fixed, transparent cost structure with no compounding interest exposure. Available for primary residence, investment property, and commercial acquisition.
We have built relationships with lenders actively offering Islamic finance products in California. We attend lender expos and stay current on who is offering genuine Sharia-compliant structures — not conventional loans repackaged with Islamic terminology. Our NMLS #300923 licensing means we can advise on financing alongside the real estate transaction.
Is Islamic finance available for commercial property?
Yes. Murabaha and Ijarah (lease-to-own) structures are commonly used for commercial acquisitions. The specific product availability depends on the lender and deal size. We can walk through your specific situation.
Are the rates competitive?
Islamic finance products typically have total costs comparable to conventional loans. Because the profit margin is fixed upfront rather than compounding, the structure is often actually more predictable than a variable-rate conventional loan.
Do I need to be Muslim to use Islamic finance?
No. Anyone can use Sharia-compliant financing structures. Some non-Muslim buyers choose them specifically because they prefer a fixed, transparent cost structure.
What about down payment requirements?
Down payment requirements for Islamic finance are typically similar to conventional financing — 20–30% for commercial, 10–20% for residential depending on the lender and your financial profile. We can help you understand exactly what you qualify for.
Can I combine Islamic finance with a 1031 exchange?
Yes — this is a specific area of expertise we can address. The structure requires careful coordination with your qualified intermediary and tax advisor but it is achievable.
Tell us about your situation and what you are looking for. We will match you with the right lender options and walk through the process together.