My Home. My Project. MyUIF.


My Home.
My Project.
MyUIF.

Faith-based renovation financing designed to support your dream home plans.

Buying a home that needs a little (or a lot) of work? UIF’s Home Renovation Financing combines your purchase and renovation costs into one Sharia-compliant contract: no separate loans, no Riba, and no extra hassle.

Buy It. Renovate It. Love It. All in One Halal Contract.

Whether you’re rewiring your new historic home, adding an extension to your current home, or simply modernizing your living space, this program helps you make improvements right after closing, without dipping into your savings.

How the Program Works

  • Find Your Home
    • Purchase a fixer-upper and roll the renovation costs into one halal contract.
  • Plan Your Renovations
    • Work with a licensed contractor of your choice to prepare bids and plans for the improvements. We’ll review and approve them before closing.
  • Get Approved
    • Eligible for: 1–2 unit primary residences and 1-unit second homes
    • Credit Score Minimum: 660 credit score required
    • Projects not eligible: Self-build, full tear-downs, and projects that make the home uninhabitable for more than 30 days.
  • Close on Your Home
  • Renovate in Stages
    • Up to 5 draws (4 interim + 1 final) are available as work is completed.
    • Any cost overruns beyond the contingency reserve are the buyer’s responsibility.

Program Highlights

  • Term Options
    • 15 and 30 years, fixed-rate only
  • Available In
    • AL, FL, GA, IL, IN, MI, NC, TX, and VA.
  • Processing Fee
    • None
  • Supplemental Origination Fee
    • $1,975 (can be included with financing)
  • Feasibility Study Required
    • For major repairs or projects over $35k
  • Renovation Costs
    • Up to 75% of the combined purchase + renovation value (or “as completed” appraised value, whichever is less)

Let’s begin. Complete this short form below.

Unlike other competitors who don’t even check your credit score before issuing a Pre-Qualification letter, UIF takes this process very seriously. We analyze your current financial situation & credit before issuing you a Pre-Qualification letter.

When completing the form below DO NOT include personal information such as your account number(s), password(s), social security number(s), etc.