Partner broker

Unlock new opportunities for your brokerage

Offer Muslim homebuyers ethical, faith-based financing through ijaraCDC’s halal home financing programs, and reach a market conventional mortgages don’t serve.

Let’s sign you up

The market

Untapped market within reach

Around 5 million Muslims call the US home as of 2025, and most of them are looking into owning homes as part of the American dream.

However, they’re steering away from conventional mortgages because of riba, or interest, which goes against their beliefs. With a market looking for ethical, faith-based financing, imagine if you could bring them home. Now you can, thanks to ijaraCDC’s halal home financing.

By the numbers

Here’s what you might be missing

$11 billion

Estimated halal home financing completed in the last 10 years

$281,000

Average home loan amount

39,145

Homes closed within the last 10 years

326

Homes closed per month

750,000

Qualified Islamic households in the US

<5.3%

Of the Muslim market being served

Why ijaraCDC is the Ideal Partner

ijaraCDC has been helping brokers fit Muslim homebuyers with their forever homes since 1995. While not a lender, we work with investors to provide home acquisition programs designed to match your customer’s religious beliefs.

Islamic home financing through ijaraCDC perfectly fits the requirements Muslim homebuyers are looking for, as it ensures:

No interest (riba)
No hidden fees or unethical clauses
Asset-backed, transparent structure
Programs approved by Islamic scholars

Smart, seamless, and Sharia-compliant – that’s the ijaraCDC way!

How it works

How ijaraCDC Does Halal Home Financing

Three steps to riba-free ownership with ijara CDC.

Step 1

We create a Trust

A trust is established and it owns the property, on your behalf.

Advisors reviewing an application with a client

Step 2

Lease to own

You hold a lease to own agreement on the property the Trust owns.

Step 3

Own it outright

Each month your rent payment moves a share across, until you own 100%.

No riba

The ijaraCDC Advantage

20 Years of Expertise

As one of the first to introduce halal home financing in the US, we’re experts at understanding the market’s diverse needs

Tailored Programs

The ijara structuring can be implemented on any type of residential loan such as conventional, FHA and even non-QM, so you can offer more diverse choice of programs.

Complete Support

From custom marketing materials to preparing documents and payment processing, our team is a call or email away

Why ijara CDC

Why Muslim families and businesses choose IjaraCDC

Six reasons families and businesses have financed riba-free with us since 2005.

Twenty years of riba-free home and business ownership

Families, business owners and investors across the USA and Canada

Nonprofit structure — a 501(c)(3), not a bank and not a lender

Lease-to-own agreements reviewed by a Sharia advisory board

300+ residential and commercial funding partners across the US and Canada

Licensed to operate in all 50 US states and Canada

No prepayment penalty on any IjaraCDC program

A transparent profit rate agreed at signing, fixed for the life of the lease