Buy a Home Without Compromising Your Faith

Everything You Need to Compare Financing Options — The Halal Way

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Differences: how is this different from just getting a mortgage from the bank?

Shariah Compliance: But how do we know it’s really Shariah-compliant?

Down Payment: Do we need 20% down?

Fees: What about fees? Is there anything hidden?

Timeline: how long does all of this take?

Selling Later: What if we sell our house down the road? Do we split the profit with the partner?

Much, much, More ...

Jonathan Matich

Branch Manager

Jonathan brings more than two decades of mortgage expertise to the Everett office of Premier Mortgage Resources. He leads the team with a focus on smooth, personal experiences—whether it’s your first home purchase or a refinance. Folks trust him because he genuinely cares and knows the ins and outs of mortgages. A natural partner for your home financing journey.

Shafiq Daqeeq

Realtor/Broker

For over 10 years, Shafiq has been helping first-time buyers and families find the right home with confidence.

As an active member of his mosque, he understands the unique needs of Muslim families and offers special support through Islamic financing programs—making it possible to buy a home without compromising their faith.

With an MBA from London and years of experience running his own real estate business in Washington, Shafiq combines knowledge, care, and availability.

His clients know they can count on him for personal guidance and a smooth, stress-free path to homeownership.

About Us

Executive Assistant

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TESTIMONIALS

What others are saying

— John D

Working with them has been a game-changer for me! I came into the coaching process feeling lost and unsure about my career path. Through insightful discussions and tailored strategies, I gained clarity on my goals and developed a concrete plan to achieve them. I now feel empowered and motivated to take action, and I couldn't be happier with the progress I've made!

— Sarah T

I never realized how much I was holding myself back until I started coaching with [Your Name]. Their support and encouragement helped me confront my fears and limiting beliefs head-on. The personalized approach made all the difference, allowing me to set realistic goals and achieve them step by step. I highly recommend me to anyone looking to make meaningful changes in their life!

STILL NOT SURE?

Frequently Asked Questions

Have questions about our services? You're in the right place!

Question 1: How do you know an Islamic loan method or contract is Shariah compliant?

This is important. We recommend you look to the Shariah scholars who have an expertise in financial and commercial transactions. For instance, does your provider of an Islamic finance service have a fatwa or relevant supporting opinions? Can your provider point you in the direction of a knowledgeable resource person or text, someone or a resource to approach in person, by mail, or online?

Question 2:Isn’t the Islamic system’s name for interest rent? Aren’t you just changing the word interest to profit or rent?

There are three acceptable approaches to home acquisition in Islam. One is a sale, one is rent to own (the IJARA™ method) and one is partnership (with property rental as part of the process). The rent paid is explicitly for the use of property. Or in the sales case, the profit is a mark-up on a base sales price. Riba, however, is the payment of money for the use of money over time, and this is very similar to the concept of interest in a traditional mortgage loan.

An accountant may argue rent in the latter two and profit in the former is interest, but in none of these cases is it Riba. Some may argue anything that may be perceived as generating a benefit from the passage of time has interest in it. The Shariah scholars have not defined Riba in this way. Rather Riba necessarily relates to loans of money or exchanges of money like commodities when they are used as money.

The duration of the coaching process varies depending on individual goals and circumstances. Typically, clients engage in coaching for a minimum of three to six months to achieve meaningful progress, but we can tailor the timeframe to fit your unique needs and objectives.

Question 3: May I use down payment assistance programs?

*IJARA™ providers currently permit the use of various down payment assistance programs where at least 3% of the cash to fund your initial payment on account is presented.***

That's perfectly okay! Part of our coaching process involves exploring your values, passions, and aspirations to help you gain clarity on your goals. Together, we’ll uncover what truly matters to you, allowing you to set meaningful and achievable objectives.

Question 4: What is rent based on in an IJARA™ transaction?

Each IJARA™ provider has a different approach to this issue and there is more than one way of doing it. The general Sharia’a principle is rent rates should be mutually agreed by both parties. In some cases, the provider may use a standard interest oriented benchmark. At this time, the consensus of the Sharia’a scholars is that such benchmarking is not ideal, but it does not affect the basis of the transaction.

Coaching is ideal for anyone seeking personal growth, clarity, or support in navigating life’s challenges. If you’re feeling stuck, overwhelmed, or uncertain about your next steps, our coaching services can provide the insight and encouragement you need to move forward confidently.