Halal Financing (Islamic-Compliant Home Financing)

Not everyone feels comfortable with a traditional mortgage. That’s why we created our Halal Financing Program: a faith-aligned, interest-free option designed to make homeownership more inclusive.


So if you're buying your first home, investing in property, or refinancing, our Halal Financing approach offers a trusted path forward. This isn’t a workaround; it’s a fully Sharia-compliant financing solution built on transparency, partnership, and shared value.

At Luminate, we believe in creating brighter paths to homeownership—for everyone. Our Halal Financing Program provides an alternative to conventional loans, honoring Islamic principles while offering flexible financing for a range of property types.


This program is available for:
  • Primary residences
  • Second homes
  • Investment properties


Eligible property types include:
  • 1–4-unit homes
  • Single-family residences
  • Fannie Mae–approved condos or PUDs


Whether you're just starting your journey or refinancing to better align with your values, we’re here to help light the way.

How Does Halal Financing Work?

Unlike traditional mortgages that charge interest, Halal Financing is structured to align with Islamic principles.

Trust-Based Ownership Structure

Your loan is closed under an inter-vivo revocable trust, with you as the trustee. This allows for compliant property ownership without violating interest (riba) prohibitions.

Servicing & Administration

Our trusted partner, Ijara Community Development Corp., handles:


  • Servicing
  • Insurance
  • Property taxes
  • ...and everything else behind the scenes!

Building Equity

With every payment made to Ijara, you increase your ownership share in the home, growing equity without incurring interest.

Compatible with Popular Loan Products

Our Halal Financing Program can pair with:


  • Fannie Mae–eligible products
  • FHA loans
  • VA loan programs


This flexibility means we can serve more clients without compromising their values.

Ready to Take the Next Step?

Let’s talk about your homeownership goals and how Halal Financing can help get you there, faithfully and flexibly.

Email Hudson

Your Values Matter. So Does Your Home.

At Luminate, embracing diversity is at the heart of everything we do. We recognize that not all families feel comfortable with traditional mortgage options, and we believe no one should have to compromise their beliefs to achieve the dream of homeownership. That’s why we’re committed to offering meaningful alternatives that reflect the values of the communities we serve.


Our Halal Financing program was created with that commitment in mind. It's a way for us to stand alongside individuals and families seeking a home financing path that honors their faith and personal convictions.


Meet Hudson Murphy. He’s more than a loan officer; he’s your advocate and partner throughout the homebuying journey. If you’re exploring Halal financing for the first time or simply looking for guidance that respects your faith and financial goals, Hudson and the Luminate team are here to help with honesty, cultural understanding, and care.


From educational guidance to personalized support, we’re here to make sure your experience is informed, respectful, and aligned with what matters most to you. At Luminate, we believe in making the homebuying journey one that empowers, uplifts, and reflects the values that define who you are.


From our family to yours, we’re here to help you take the next step toward a brighter future.