Homeownership with Barakah
Welcome to Barakah مرحبًا بكم في بركة برکۃ میں خوش آمدید Ku soo dhawoow Barakah Baga nagaan Barakah dhufte بارکه ته ښه راغلاست Bienvenue à Barakah እንኳን ወደ በረካ በደህና መጡ বারাকায় আপনাকে স্বাগতম
Faith.
Family.
Home.
5 Days Process
Fast & Easy Process
No Prepayment
No Hidden Fees
24/5 Support
Multilingual Support
Your home, your values, your future
“Barakah” in Arabic means blessing, abundance, and prosperity. At Barakah Mortgage, this is more than a name — it’s our mission. Every service we provide is designed to help families achieve homeownership with clarity, confidence, and long-term benefit.”
- Faithful to Your Values: 100% cost plus profit financing
- Transparent & Fair: No hidden fees, no fine-print surprises
- Built on Community: Helping Americans create lasting generational wealth
Purchasing Power
Learn how much you can afford
Home Valuation
Know what your house is worth
Monthly Payments
Plan for the right balance
Mortgage Rates
Get your rate, make it work
Smarter Underwriting. Faster Closings.
Barakah Mortgage leverages AI-powered underwriting to streamline approvals, reduce friction, and keep loans moving forward.
Our technology accelerates document review, flags issues early, and minimizes delays—so you can move from application to closing with speed and confidence.
AI-driven efficiency. Trusted mortgage advisor oversight. Faster results.
- AI-Powered Review
- Faster Approvals
- Advisor-Guided Process
Home Buyer Toolkit
Homeownership Made Simple
Own your home without interest a guided, step-by-step process designed for peace of mind.
Pre-Approval Checklist
A step-by-step list of the documents and information required to review your finances, confirm eligibility, and move your application forward.
How much is your home worth?
Click here to connect with an expert to find out how much you can refinance on your property.
Certified Financing
Independent scholars certify our process from start to finish, giving you lasting confidence.
Your Homeownership Guide
A simple roadmap that turns complex financing into an achievable journey.
How Cost-Plus Financing Works
Discover how our cost-plus model provides transparent, fixed payments — giving you a clear path to homeownership.
So easy. So fast.
Get approved in one day!
1
Access & Sign
2
Get Approved
We validate income, assets and credit and offer homebuyers an approval in one day.
3
Close in as few as 10 days
Once you are approved you could close on the home of your dreams.
Barakah Mortgage’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Barakah Mortgage within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Barakah Mortgage cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Barakah Mortgage reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit Barakah Mortgage.com/same-day-mortgage for terms and conditions.
Eligible borrowers must qualify for a “Clear to Close Loan Commitment” (“CTC”). Barakah Mortgage cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification. Co-borrowers not eligible. Not all borrowers will be approved. Restrictions apply.
Ready to become another Barakah success story?
Delivering Barakah in Homeownership Across America
Quick Estimate
See Your Payment Plan
Use this quick estimator to see how much your monthly payment could be under our profit-sharing partnership. Enter a home price, choose a timeframe, and preview a ballpark figure—final terms are set after Sharia board review.
Estimate Your Result
Total Principal Paid:
$0
Total Fees Paid:
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Monthly Payment:
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Months To Payoff:
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Borrowing :
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Total You Will Pay:
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Home Financing You Can Trust
At Barakah Mortgage, we provide more than just financing — we provide peace of mind. Every product is built on ethical and transparent principles, designed to help you own your home with confidence.
Faith-Approved
Our solutions have been carefully reviewed by industry experts, giving you confidence that your journey is transparent and trustworthy.
Profit-Based, Not Interest-Based
Through our cost-plus model, you build ownership with every payment — replacing debt with transparency and fairness.
Guided by Experts
Our team of finance professionals advisors walk you through each step with clarity and care.
Simple Agreements
We believe contracts should empower, not confuse. That’s why our agreements are written in plain language with no hidden terms or surprises.
Testimonials
What our clients say about us
Coming Soon
Speak With a Barakah Mortgage Specialist
Since our founding, Barakah Mortgage has helped families across the U.S. achieve riba-free homeownership with dignity and peace of mind. Schedule your free consultation to discuss anything—from eligibility to monthly payments—in a welcoming, judgment-free space.
Guidance at Every Step
We walk you through the entire home-buying journey, explain documents clearly, and stay by your side.
Your Dedicated Barakah Concierge
One trusted specialist becomes your single point of contact—coordinating with scholars, attorneys, and closing agents to simplify the process.
Meet on Your Terms
Choose phone, video, or in-person appointments. Evening and weekend options make it easy to fit guidance into your family’s schedule.
By submitting your phone number and clicking the Make Appointment, you are providing express written consent for Barakah Mortgage and its affiliates, agents, and service providers to contact you at that number regarding products or services, including via autodialed and/or prerecorded or artificial voice calls and text messages (SMS and MMS), or email even if your telephone number is a cellular number or on a corporate, state, or the National Do Not Call Registry (DNC) or other do not contact list. You may also reach us at 866-934-7283 or by utilizing our services at Loan Options. You may opt-out at any time by emailing us a Do Not Call Request at DNC@rate.com and providing your phone number. Your consent is not required or a condition of any purchase. Message and data rates may apply. You also consent to our SMS terms, Privacy Policy and Terms of Use, which includes your agreement to arbitrate any claims you may have against us. By communicating with us by phone you consent to calls being recorded and monitored.
Book Appointment
Share a few details below; we’ll confirm within 24 hours. Your information remains private and reviewed for Sharia compliance only.
FAQ
Frequently Asked Questions
How do profit rates differ from conventional interest?
Profit rates are a fixed agreed markup or rent for shared ownership. Unlike interest, they reflect fair compensation for service or asset use, fully compliant with our principles.
What happens if I miss a payment?
How are profit rates set?
Profit rates are agreed upfront based on market norms and board guidance. They remain fixed for the term, ensuring complete transparency and no hidden charges.
Can I pay off my home early?
Is there a markup in Murabaha financing?
How does diminishing Musharakah work?
What is Ijara rent?
Are there hidden fees?
Can I Refinance?
Yes! After an initial period you may request a Refinance in which your existing contract is paid in full and a new one begins.