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  <url>
    <loc>https://www.halalwallet.us/blog/amana-etfs-vs-mutual-funds-2026</loc>
    <lastmod>2026-10-20</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/amana-etfs-vs-mutual-funds-2026-152201.webp</image:loc>
      <image:title>Amana ETFs vs Amana Mutual Funds (2026): AMGR, AMEI and AMEM Compared</image:title>
      <image:caption>Saturna listed three Amana ETFs on Nasdaq on June 24, 2026. They run the same halal strategies as the mutual funds at the Institutional share price with no $100,000 minimum. Fees, spreads, taxes, Shariah oversight and which wrapper fits which account.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-financing-a-car-haram-usa-2026</loc>
    <lastmod>2026-10-19</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/is-financing-a-car-haram-usa-2026-eabeae.webp</image:loc>
      <image:title>Is Financing a Car Haram? Auto Loans, 0% APR and Halal Alternatives (2026)</image:title>
      <image:caption>A conventional auto loan is an interest-bearing loan, so it is riba. Financing a car is not: murabaha, ijara and qard hasan programs exist in the US. The 2026 rates, the scholarly positions and every halal option.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-down-payment-assistance-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-534-1791288316720.png</image:loc>
      <image:title>Halal Home Financing With Down Payment Assistance (2026)</image:title>
      <image:caption>Ijara CDC pairs halal home financing with down payment help, including Chenoa Fund at 3.5 or 5 percent for a 600 score. You still bring at least 3 percent.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-stated-income-investment-property-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-532-1791287971524.png</image:loc>
      <image:title>Halal Stated-Income Financing for Rental Property (2026)</image:title>
      <image:caption>Ijara CDC finances rentals with no income documents, up to 75 percent of value, in 23 states and D.C. Owners of 20 or more properties can apply.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-a-business-loan-haram-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-227-1774578673163.png</image:loc>
      <image:title>Is a Business Loan Haram? What Scholars Say and the Halal Alternatives (2026)</image:title>
      <image:caption>A conventional business loan is haram because it charges interest (riba), and the necessity exception scholars allow for a primary home has not been extended to growing a business. 0% loans, grants, and trade-based financing (Murabaha, Ijara, Musharakah) are the halal routes. Here is the full ruling, the gray areas, and what U.S. providers offer.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/interest-free-business-loans-grants-muslim-entrepreneurs-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-149-1773444198236.png</image:loc>
      <image:title>Interest-Free Business Loans and Grants for Muslim Entrepreneurs in the U.S. (2026)</image:title>
      <image:caption>The genuinely 0% options for a Muslim-owned small business in the U.S.: Kiva U.S. ($1,000-$15,000, no interest, no fees), Jafari Credit Union (Texas, 0% equipment loans), Minnesota&apos;s NDC and ADC buy-and-sell programs, community qard hasan funds, and grants. Who qualifies, how long it takes, and when you need Murabaha instead.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-semi-truck-commercial-vehicle-financing-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-118-1773098053268.png</image:loc>
      <image:title>Halal Semi-Truck and Commercial Vehicle Financing in the U.S. (2026)</image:title>
      <image:caption>How Muslim owner-operators and fleet owners finance a Class 8 tractor, box truck, van, or trailer without riba: Murabaha and Ijara from Stearns Salaam, IjaraCDC&apos;s Business Plus 7A for fleets, 0% options from Jafari CU and Kiva, Minnesota&apos;s NDC and ADC vehicle programs, and why conventional TRAC leases and conditional sales contracts are not halal.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-business-premier-7a-financing-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-533-1791288199744.png</image:loc>
      <image:title>Halal Business Premier Financing to Buy Your Building (2026)</image:title>
      <image:caption>Buy the building your business occupies without interest. Ijara CDC finances $250,000 to $5 million in all 50 states, with 5 to 10 percent down.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-gas-station-hotel-restaurant-franchise-financing-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-118-1773098053268.png</image:loc>
      <image:title>Halal Gas Station, Hotel, Restaurant and Franchise Financing in the U.S. (2026)</image:title>
      <image:caption>Who finances gas stations, flagged hotels, restaurants, and franchises without riba (IjaraCDC, Devon Bank, Stearns Salaam - and why UIF excludes fuel and lodging), plus the scholars&apos; rulings on beer coolers, lottery terminals, hotel bars, and franchise agreements.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-mixed-use-property-financing-usa-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-530-1791287768676.png</image:loc>
      <image:title>Halal Financing for Mixed-Use Property (2026)</image:title>
      <image:caption>Buying a shop with apartments upstairs? Ijara CDC finances mixed-use buildings nationwide: one commercial unit plus up to four residential units.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-no-ratio-mortgage-usa-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-531-1791287845089.png</image:loc>
      <image:title>Halal Mortgage With No Debt-to-Income Ratio (2026)</image:title>
      <image:caption>Ijara CDC can approve a halal mortgage with no debt-to-income calculation. Up to $2 million, a 700 credit score, and cash-out capped at $500,000.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-lite-doc-mortgage-usa-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-529-1791287527371.png</image:loc>
      <image:title>Halal Lite Doc Mortgage for Irregular Income (2026)</image:title>
      <image:caption>Self-employed with uneven income? Ijara CDC&apos;s nationwide halal lite-doc mortgage skips W-2s and bank statements. The quote sets the down payment.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/are-treasury-bills-i-bonds-halal-usa-2026</loc>
    <lastmod>2026-10-05</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/are-treasury-bills-i-bonds-halal-usa-2026-69d0cc.webp</image:loc>
      <image:title>Are Treasury Bills Halal? (2026): T-Bills, I Bonds and TIPS for Muslim Investors</image:title>
      <image:caption>The safest asset in the world is still a loan with a guaranteed return. We explain how T-bills, I bonds (4.26% composite) and TIPS each generate riba, and what a Muslim saver can hold instead.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-asset-qualification-mortgage-usa-2026</loc>
    <lastmod>2026-10-05</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-528-1791287435130.png</image:loc>
      <image:title>Halal Mortgage Based on Assets, Not Income (2026)</image:title>
      <image:caption>Retired or between jobs with cash in the bank? Ijara CDC can qualify a halal mortgage on liquid assets, up to $3 million, with no income documents.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-1099-mortgage-usa-2026</loc>
    <lastmod>2026-10-05</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-527-1791287354099.png</image:loc>
      <image:title>Halal Mortgage for 1099 Income: Contractors and Gig Workers (2026)</image:title>
      <image:caption>Contractors and gig workers can qualify for a halal mortgage on 1099 income, with no tax returns. Ijara CDC goes up to $2.5 million with a 660 score.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-bank-statement-mortgage-usa-2026</loc>
    <lastmod>2026-10-05</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-526-1791286145171.png</image:loc>
      <image:title>Halal Bank Statement Mortgage for the Self-Employed (2026)</image:title>
      <image:caption>Qualify for a halal mortgage on bank statements or a P&amp;L. Ijara CDC finances $100,000 to $2 million nationwide, with 20 to 25 percent down. Up to 30 years.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/mnzl-vs-spus-halal-us-stock-etf-comparison-2026</loc>
    <lastmod>2026-10-04</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/mnzl-vs-spus-halal-us-stock-etf-comparison-2026-639501.webp</image:loc>
      <image:title>MNZL vs SPUS (2026): Which Halal US Stock ETF Should You Hold?</image:title>
      <image:caption>MNZL tracks a Russell 1000 halal index with an added human rights screen and 487 holdings; SPUS tracks an S&amp;P 500 Shariah index with 218. Fees, holdings, spreads and purification compared from the issuer pages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-multifamily-5-8-unit-financing-usa-2026</loc>
    <lastmod>2026-10-04</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-518-1791205544784.png</image:loc>
      <image:title>Halal Financing for 5 to 8 Unit Apartment Buildings (2026)</image:title>
      <image:caption>Buying a 5 to 8 unit building? Ijara CDC offers halal multifamily financing nationwide: 20% down, 660 credit, up to $2.5M, no management history needed.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-fix-and-flip-financing-usa-2026</loc>
    <lastmod>2026-10-04</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-517-1791205242359.png</image:loc>
      <image:title>Halal Fix and Flip Financing for Muslim Investors (2026)</image:title>
      <image:caption>Flip houses without hard-money interest. Ijara CDC offers halal fix and flip financing nationwide, funded in as little as 14 days. What you need to apply.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/roth-conversion-halal-muslim-guide-2026</loc>
    <lastmod>2026-10-03</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/roth-conversion-halal-muslim-guide-2026-bb62e5.webp</image:loc>
      <image:title>Roth Conversion Halal Guide (2026): Convert a Traditional IRA Into Halal Funds</image:title>
      <image:caption>A Roth conversion is permissible and is the best moment to rebuild a retirement account in halal funds. The IRS rules, the tax bill, the pro-rata trap, the five-year clocks, the backdoor Roth and zakat.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/wahed-real-estate-fund-review-2026</loc>
    <lastmod>2026-10-03</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-515-1791205041793.png</image:loc>
      <image:title>Wahed Real Estate Fund Review: Halal Rental Homes From $100 (2026)</image:title>
      <image:caption>Wahed&apos;s Real Estate Fund lets anyone invest in debt-free US rental homes from $100. It targets 5-7% a year. Here is how it works and who it suits.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-dscr-financing-usa-2026</loc>
    <lastmod>2026-10-03</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-516-1791205096208.png</image:loc>
      <image:title>Halal DSCR Financing for Rental Property Investors (2026)</image:title>
      <image:caption>Qualify on rental income, not your paycheck. Ijara CDC offers halal DSCR financing nationwide, including Airbnb rentals. Ratios, credit, down payment.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/how-to-invest-in-sukuk-us-spsk-amapx-wisex-2026</loc>
    <lastmod>2026-10-02</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/how-to-invest-in-sukuk-us-spsk-amapx-wisex-2026-e2c18f.webp</image:loc>
      <image:title>How to Invest in Sukuk From the US (2026): SPSK vs AMAPX vs WISEX</image:title>
      <image:caption>US investors cannot easily buy individual sukuk, so the real choice is three funds: SP Funds&apos; SPSK ETF, Amana Participation (AMAPX) and Azzad Wise Capital (WISEX). Costs, yields, holdings, minimums and where to buy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-reverse-mortgage-alternative-usa-2026</loc>
    <lastmod>2026-10-02</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-506-1791201143650.png</image:loc>
      <image:title>Halal Reverse Mortgage Alternative for US Seniors (2026)</image:title>
      <image:caption>Older homeowners can turn home equity into cash without interest. Ijara CDC offers a halal reverse mortgage alternative nationwide. What to ask first.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-renovation-financing-usa-2026</loc>
    <lastmod>2026-10-02</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-507-1791201453205.png</image:loc>
      <image:title>Halal Renovation Financing: Buy a Fixer-Upper (2026)</image:title>
      <image:caption>Buy a fixer-upper and finance the repairs without interest. Ijara CDC offers renovation financing nationwide; UIF offers it in 9 states. Compare both.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-foreign-national-mortgage-usa-2026</loc>
    <lastmod>2026-10-02</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-505-1791201035317.png</image:loc>
      <image:title>Halal Mortgage for Foreign Nationals Buying US Property (2026)</image:title>
      <image:caption>Live abroad and want US rental property? Ijara CDC finances foreign nationals with a passport only: no visa, no US credit, 35% down, up to $3 million.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-itin-mortgage-usa-2026</loc>
    <lastmod>2026-10-01</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-502-1791200555335.png</image:loc>
      <image:title>Halal ITIN Mortgage in the USA (2026)</image:title>
      <image:caption>No SSN? Ijara CDC offers halal ITIN home financing nationwide. No credit check, no W-2s, up to $3M, and 100% gift funds accepted. Here is how it works.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-fha-mortgage-usa-2026</loc>
    <lastmod>2026-10-01</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-503-1791200830456.png</image:loc>
      <image:title>Halal FHA Mortgage in the USA (2026)</image:title>
      <image:caption>Ijara CDC offers a halal FHA program nationwide: 3.5% down and credit scores as low as 520. UIF offers 3% down at 620. Compare both low-down options.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-roth-ira-how-to-open-which-funds-2026</loc>
    <lastmod>2026-10-01</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-roth-ira-how-to-open-which-funds-2026-0c820e.webp</image:loc>
      <image:title>Halal Roth IRA (2026): How to Open One and Which Funds to Hold</image:title>
      <image:caption>A halal Roth IRA is a standard Roth IRA filled only with Shariah-screened funds. The 2026 limits from the IRS, custodians compared, a seven-fund menu, the cash sweep fix and zakat.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-usda-mortgage-usa-2026</loc>
    <lastmod>2026-10-01</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-504-1791200908567.png</image:loc>
      <image:title>Halal USDA Mortgage: 0% Down in Rural Areas (2026)</image:title>
      <image:caption>Ijara CDC offers halal USDA home financing nationwide: 0% down in USDA rural areas, 600 credit floor, no acreage limit. Who qualifies and how it works.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-jumbo-mortgage-usa-2026</loc>
    <lastmod>2026-09-30</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-497-1790768131444.png</image:loc>
      <image:title>Halal Jumbo Mortgage in the US (2026)</image:title>
      <image:caption>Ijara CDC finances jumbo homes nationwide. 10% down, 680 credit floor, up to $4 million. Use it when a standard loan will not cover the price.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-va-mortgage-usa-2026</loc>
    <lastmod>2026-09-30</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-498-1790768306302.png</image:loc>
      <image:title>Halal VA Mortgage for US Veterans (2026)</image:title>
      <image:caption>A VA loan can mean 0% down. Ijara CDC structures that benefit as ijara, nationwide, with a 620 credit floor. Guidance and UIF do not offer a VA program.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-mortgage-physicians-usa-2026</loc>
    <lastmod>2026-09-30</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled-1280-x-720-px-496-1790767620430.png</image:loc>
      <image:title>Halal Mortgage for Physicians in the US (2026)</image:title>
      <image:caption>Ijara CDC finances US physicians, dentists, and vets nationwide. 0% down, no PMI, 680 credit floor, up to $2M. Guidance and UIF are not this product.</image:caption>
    </image:image>
  </url>
</urlset>