Sharia-Compliant · Halal · Certified Lenders · Bay Area

Islamic Finance —
Homeownership Without Compromise.

Your faith and your dream of homeownership don't have to conflict. We connect Muslim borrowers with certified Islamic lenders offering Sharia-compliant home financing — programs we personally vet and trust.

Get Connected → Call 510-786-8739

How It Works

Islamic Financing Structures

Islamic finance avoids riba (interest) through alternative ownership and profit-sharing structures that are economically equivalent to a mortgage but fully Sharia-compliant:

Murabaha (Cost-Plus Financing)

The lender purchases the property and sells it to you at a predetermined higher price. You pay in installments. No interest — the profit is built into the sale price upfront.

Diminishing Musharakah (Declining Partnership)

You and the lender co-own the property. You gradually buy the lender's share over time through monthly payments. As your ownership increases, your rent payments decrease.

Ijara (Lease-to-Own)

The lender buys and leases the property to you. Lease payments include a portion that builds ownership. At the end of the lease term, ownership transfers to you completely.

Why SI MTG

Our Role in Islamic Finance

We do not originate Islamic loans directly. Instead, we serve as your advocate and connector — finding the right certified Islamic lender for your specific situation.

We vet Islamic lenders for genuine Sharia compliance — not just marketing labels

We compare programs across multiple certified providers to find your best option

We prepare your full financial profile so applications are complete and competitive

We manage the process from first call to closing — in English, Farsi, and Arabic

We serve the Muslim community in Fremont, Newark, Union City, and the Bay Area

We understand cultural nuances and communicate with sensitivity and respect

Common Questions

Islamic Finance FAQs

Is Islamic home financing available in California?

Yes — several certified Islamic lenders operate in California including Guidance Residential, Devon Bank, and University Bank. We connect you with the right provider for your situation and purchase price.

Is Islamic financing more expensive than conventional?

Not significantly. The effective cost of Islamic financing is typically comparable to conventional mortgage rates. Some programs may be slightly higher due to the more complex ownership structure, but the peace of mind is priceless for observant Muslims.

Can non-Muslims use Islamic financing?

Yes — Islamic financing is available to anyone who prefers a non-interest-based structure. Some borrowers choose it for ethical reasons regardless of religious background.

Is the property title in my name?

Yes — in most Islamic financing structures, the title is in your name from the beginning (or transfers to you quickly). The lender holds a security interest, similar to a conventional mortgage lien.

What is the minimum down payment for Islamic home financing?

Typically 5-20% depending on the program and purchase price. Some Islamic lenders offer low down payment programs. We compare your options across all available providers.

Do you speak Farsi or Arabic?

Yes — Bilal Salimi and the SI MTG team are fluent in Farsi and conversational in Arabic. We serve a large Afghan, Iranian, and Arab community in the Fremont and Bay Area region and can guide you through the entire process in your language.

Homeownership the Halal Way. 🕌

Call us in English, Farsi, or Arabic. We'll find you a certified Islamic lender and guide you through every step — with cultural sensitivity and genuine expertise.