Owning a riba-free home, now made easier
Investor-led programs for buyers whose paperwork does not fit a conventional application — self-employed, irregular income, or based outside the US.
Start pre-qualification today
New investor-led programs for the US market
Foreign National
Buy US property from abroad and let it out, with the purchase qualified on the asset rather than on your file at home.
- No credit check
- No income
- Rental markets
ITIN
Built for buyers who file with an ITIN. The application rests on what you can show today, and family help toward the purchase is welcome.
- No tax returns
- No bank statements
- 100% gift funds
Lite Doc
A shorter route for anyone whose earnings vary month to month, judged on what the business actually brings in.
- Self-employed
- Irregular income
- Fewer documents
Covers all 50 states
Our Sharia-compliant home acquisition alternatives are available in every US state, from New York to Huntington Beach, and in Alaska and Hawaii too.
ijara CDC has bridged homebuyers and their future homes for over 20 years, residential and commercial, without asking anyone to compromise their beliefs.
Explore other home acquisition opportunities
Have more questions? Don’t hesitate to reach us
Our team answers by phone or email during business hours, and a pre-qualification takes about ten minutes.
How is this different from a mortgage?
ijara CDC co-owns the property with you and sells you its share over time. There is no riba, because there is no debt instrument — the agreement transfers ownership rather than lending against it.
What does a monthly payment cover?
Two parts: your use of the share ijara CDC still owns, and the purchase of an additional slice of that share. The second part grows as your ownership grows.
How long does pre-qualification take?
About ten minutes, and it does not affect your credit.
Can I pay off my share early?
Yes. Additional payments buy more of the co-owned share and carry no penalty.
Which states does ijara CDC serve?
More than 20 states across the USA, alongside Canada. Contact us for the current list and the requirements where you live.
Who reviews the contracts?
The Sharia Advisory Board and real estate counsel review the structure and the documents before signing.
What can I finance?
Residential and commercial property, residential and auto conversions, investment opportunities, and the ijaraCDC partner broker program.