Home Financing

UIF offers home financing programs that can be used to purchase a new home or refinance an existing one.

Our programs adhere to Faith-Based financing principles and are fully approved by our independent Sharia Supervisory Board. Equally important, our pricing is very competitive when you compare us to conventional lenders or other Faith-Based financing companies.

At UIF we will never charge you LLC fees. Not sure what LLC fees are? Watch our video above!

Partnership Program with no LLC Fees!

How the Partnership Program Works.

How the UIF Partnership Program Works

How the Partnership Program Works

Step 1

The partnership program is based on the Musharaka structure.

Under this arrangement, two parties (UIF and the Home Buyer) come together in a Partnership Agreement to purchase an asset. In our case “the House.”

How the UIF Partnership Program Works Step 1

How the Partnership Program Works

Step 2

Each party contributes their monetary share towards the purchase price of the house.

The Home Buyer contributes capital in the form of a down payment and UIF’s capital contribution is the financing amount.

How the UIF Partnership Program Works Step 2

How the Partnership Program Works

Step 3

Since the Home Buyer uses the home for his or her benefit, rent is paid to UIF for using their share of the property

The rent is the “profit” UIF derives from investing in this partnership.

How the UIF Partnership Program Works Step 3

How the Partnership Program Works

Step 4

The home buyer acquires the property from UIF over a 10, 15, 20 or 30 year term monthly payments.

Over time the Home Buyer becomes the sole owner of the property.

How the UIF Partnership Program Works Step 4

Ready to move forward?

The UIF Advantage

  • No monthly LLC fees

  • 5 Star Customer Service

  • Hand-holding throughout the process

  • Most Closings in 30 Days

  • Voted #1 Eight Years in a Row!
    (by Islamic Finance News Magazine)

UIF FAQ Video – View Below

*As of 2021 UIF also offers Partnership (Musharaka) Program.

Let’s Get Pre-Qualified in 3 Simple Steps

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Step 1

Click “Get Started” below & fill out our pre-qualification form.

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Step 2

Get connected with one of our Financial Consultants who can discuss how much you can afford.

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Step 3

If you’re pre-qualified, share your letter from UIF with your realtor and enjoy the house-hunting process.

Get Started

We currently offer financing in the following states.

Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin

Blue: Home & Commercial Financing | Orange: Home Financing Only | Dark Green: Home, Commercial & New Home Construction Financing | Light Green: Home, Commercial & Vehicle Financing | Brown: Commercial Financing Only | Yellow: All Products Available

Home Financing Program in Detail

Partnership Program

The partnership program is based on the financing principle of Musharaka. Under this arrangement, two parties (Financing Company aka UIF and the Customer) come together to purchase an asset. In our case “the House.”

Each party contributes its monetary share towards the purchase price of the house. Customer contributes in the form of a down payment and UIF contribution is the financing amount. Since the Customer uses the home for his or her benefit, rent is paid to UIF for using their share of the property. The rent is the “profit” UIF derives from investing in this partnership. Customer acquires the property from UIF over a 10, 15, 20, or 30-year term in monthly payments.

The monthly payment Customer pays each month to UIF consists of two portions: Buyout Price and Use Payment (aka Rent). Over time… the Customer buys out UIF’s share and upon final payment takes full ownership of the property. Click here to learn more about our Partnership Program. The best part about our Musharaka (Partnership) program is that unlike some of our competitors, we don’t charge an unnecessary monthly LLC fee.

Our Partnership program is available in the following states:

Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin.

Let’s begin. Complete this short form below.

Unlike other competitors who don’t even check your credit score before issuing a Pre-Qualification letter, UIF takes this process very seriously. We analyze your current financial situation & credit before issuing you a Pre-Qualification letter.

When completing the form below DO NOT include personal information such as your account number(s), password(s), social security number(s), etc.