Our Programs
Flexible Islamic financing solutions designed to meet your unique needs, all while maintaining complete adherence to Sharia principles.
Purchasing
Perfect for those purchasing their first home
We make your first home purchase simple, transparent, and completely halal. Our dedicated Islamic finance advisors guide you!
Refinancing
Lower your monthly payments
Lower your payments with our refinancing options. Convert your conventional mortgage to Sharia-compliant financing.
المرابحة - The Murabaha
What is Murabaha?
Murabaha is an installment-based financing model that operates on the principle of cost-plus profit, where the seller discloses the cost of the asset and adds a known profit margin.
Transparency & Trust
In a Murabaha agreement, the buyer and seller agree on the marked-up price, and the buyer pays this amount in installments over a specified period. Both parties are aware of the profit involved, fostering trust and mutual benefit.
Ownership at Closing
At closing, you provide the down payment and receive the title/ownership to the property immediately. The balance of the Murabaha debt is paid in installments as agreed.
100% Riba-Free Structure
By structuring the transactions in this Islamic manner, we avoid lending you money and therefore there is no interest (riba) involved. At closing, you do not sign a promissory note with an interest rate. Instead, you sign a Murabaha contract for the balance amount due and monthly installment payments.
Mubarak Mortgage uses financial transactions compliant with Islamic values that meet US and other applicable regulatory standards. Our contracts and processes are free from riba, which is "interest" in the traditional banking context.
Your Journey to Halal Homeownership
A transparent, step-by-step path designed for your peace of mind and Sharia compliance.
Free Consultation
Speak with our experts to discuss your goals and understand your halal options.
Pre-Approval
Submit your application and receive a verified pre-approval letter in 24-48 hours.
Find Your Home
Shop with confidence knowing exactly what you can afford and having us by your side.
Close & Move In
We finalize the Sharia-compliant financing so you can get your keys and celebrate.
Our Message to Home Sellers
How Sharia Law has no bearing on US Mortgage regulations, explained by Alan Lindeke - Attorney at Law:
Ready to Make Your Move?
Whether you're buying your dream home or refinancing, sit down with a licensed advisor who can walk you through your100% Sharia-compliantfinancing options.