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  <url>
    <loc>https://www.halalwallet.us/blog/halal-stated-income-investment-property-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-07</news:publication_date>
      <news:title>Halal Stated-Income Financing for Rental Property (2026)</news:title>
      
    </news:news>
    <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/halal-business-premier-7a-financing-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-07</news:publication_date>
      <news:title>Halal Business Premier Financing to Buy Your Building (2026)</news:title>
      
    </news:news>
    <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-down-payment-assistance-usa-2026</loc>
    <lastmod>2026-10-07</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-07</news:publication_date>
      <news:title>Halal Home Financing With Down Payment Assistance (2026)</news:title>
      
    </news:news>
    <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/uif-savings-account-review-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-06</news:publication_date>
      <news:title>UIF Savings Account Review (2026): Profit-Sharing Deposits at University Bank</news:title>
      <news:keywords>banking, uif savings account, university islamic financial, profit-sharing deposits, fdic insurance, halal savings account</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/uif-savings-account-review-2026-e38140.webp</image:loc>
      <image:title>UIF Savings Account Review (2026): Profit-Sharing Deposits at University Bank</image:title>
      <image:caption>UIF&apos;s Profit-Sharing Savings Account opens with $100, charges no fees and pays monthly profit from UIF&apos;s halal financing book, with FDIC coverage through University Bank. How it works and how it compares with Stearns.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-lite-doc-mortgage-usa-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-06</news:publication_date>
      <news:title>Halal Lite Doc Mortgage for Irregular Income (2026)</news:title>
      
    </news:news>
    <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/halal-no-ratio-mortgage-usa-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-06</news:publication_date>
      <news:title>Halal Mortgage With No Debt-to-Income Ratio (2026)</news:title>
      
    </news:news>
    <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-mixed-use-property-financing-usa-2026</loc>
    <lastmod>2026-10-06</lastmod>
    <news:news>
      <news:publication>
        <news:name>HalalWallet</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-06</news:publication_date>
      <news:title>Halal Financing for Mixed-Use Property (2026)</news:title>
      
    </news:news>
    <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-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/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-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/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/ikhlas-insurance-halal-life-insurance-review-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-519-1791205775745.png</image:loc>
      <image:title>Ikhlas Insurance Review: Halal Term Life Insurance (2026)</image:title>
      <image:caption>Ikhlas Insurance Group sells scholar-vetted term life insurance in all 50 states and screens out cash-value policies. What it offers and who it suits.</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-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/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/sukoon-finance-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-514-1791204947819.png</image:loc>
      <image:title>Sukoon Finance Review: Halal Mortgage in 45 States (2026)</image:title>
      <image:caption>Sukoon Finance offers halal Murabaha home financing in 45 states plus DC, with a cash-offer program and 10-day closings. How it compares to Guidance.</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/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/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/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-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-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-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-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-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>
  <url>
    <loc>https://www.halalwallet.us/blog/a-continuous-charity-review-2026</loc>
    <lastmod>2026-09-30</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/a-continuous-charity-review-2026-4e73a1.webp</image:loc>
      <image:title>A Continuous Charity Review (2026): Interest-Free Student Loans for US Muslims</image:title>
      <image:caption>A Continuous Charity (ACC) is the only national qard hasan student lender for American Muslims. Who qualifies, how the January cycle works, repayment terms, refinancing, and how ACC compares with Qard Hasan Foundation.</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-banking-for-new-immigrants-usa-no-ssn-credit-history-2026</loc>
    <lastmod>2026-09-29</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-banking-for-new-immigrants-usa-no-ssn-credit-history-2026-da84df.webp</image:loc>
      <image:title>Halal Banking for New Immigrants to the US (2026): No SSN or Credit Needed</image:title>
      <image:caption>You can open a riba-free US account in your first weeks with a passport, proof of address and an ITIN or SSN. Stearns Salaam, UIF and Bank of Whittier explained, plus IRS ITIN rules and a 90-day plan.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/self-directed-ira-halal-investing-guide-2026</loc>
    <lastmod>2026-09-28</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/self-directed-ira-halal-investing-guide-2026-96bf1f.webp</image:loc>
      <image:title>Self-Directed IRA Halal Guide (2026): Real Estate, Private Funds and Gold</image:title>
      <image:caption>A self-directed IRA lets a Muslim hold rental property, private halal funds or physical gold in a tax-advantaged account. IRS prohibited transaction rules, custodian fees and where riba creeps in.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-car-dealerships-muslim-owned-dealers-financing-2026</loc>
    <lastmod>2026-09-27</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-car-dealerships-muslim-owned-dealers-financing-2026-e83bcb.webp</image:loc>
      <image:title>Halal Car Dealerships (2026): How Muslim-Owned Dealers Finance Cars</image:title>
      <image:caption>A Muslim-owned dealership is not the same as halal financing. How dealer-arranged loans work, what buy-here-pay-here lots charge, and how to pair any dealer with UIF or Ijara CDC so the contract is riba-free.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/stearns-salaam-banking-review-2026</loc>
    <lastmod>2026-09-26</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/stearns-salaam-banking-review-2026-7902b2.webp</image:loc>
      <image:title>Stearns Salaam Banking Review (2026): Riba-Free Checking and Savings Rates</image:title>
      <image:caption>Stearns Salaam Banking is a riba-free division inside Stearns Bank N.A., a $3.27 billion FDIC-insured national bank. Checking from $50, profit-sharing savings tiers, CD rates, the Sharia board, and the gaps.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/iman-fund-imanx-review-allied-asset-advisors-2026</loc>
    <lastmod>2026-09-25</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/iman-fund-imanx-review-allied-asset-advisors-2026-cef66d.webp</image:loc>
      <image:title>IMANX Review (2026): Is the Iman Fund From Allied Asset Advisors Worth It?</image:title>
      <image:caption>The Iman Fund (IMANX) is a halal, no-load growth fund run since June 2000 by Allied Asset Advisors under NAIT ownership. Fees, minimums, screening, performance against Amana Growth and SPUS, and who should hold it.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-debt-consolidation-credit-card-medical-debt-2026</loc>
    <lastmod>2026-09-24</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-debt-consolidation-credit-card-medical-debt-2026-54101a.webp</image:loc>
      <image:title>Halal Debt Consolidation (2026): Options for Credit Card and Medical Debt</image:title>
      <image:caption>A consolidation loan is riba, so this page covers what works: nonprofit debt management plans, hospital financial assistance, the 0% transfer trade-off, qard hasan credit unions, settlement and zakat for debtors.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/are-cash-advance-apps-halal-earnin-dave-brigit-spotme-2026</loc>
    <lastmod>2026-09-23</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/are-cash-advance-apps-halal-earnin-dave-brigit-spotme-2026-7ef319.webp</image:loc>
      <image:title>Are Cash Advance Apps Halal? EarnIn, Dave, Brigit and Chime SpotMe (2026)</image:title>
      <image:caption>EarnIn, Dave, Brigit and Chime SpotMe all say they charge no interest. This verdict tests tips, express fees and subscriptions against the fiqh of loans, app by app, with halal alternatives for the same emergency.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-life-insurance-usa-what-you-can-buy-2026</loc>
    <lastmod>2026-09-22</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-life-insurance-usa-what-you-can-buy-2026-b42e97.webp</image:loc>
      <image:title>Halal Life Insurance in the USA (2026): What You Can Actually Buy Today</image:title>
      <image:caption>An audit of every halal life insurance option open to American Muslims in October 2026: Takaful America, Ikhlas Insurance, Takadao&apos;s LifeDAO, Sakinah, and purified conventional term, with what each actually sells.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/bank-of-whittier-review-usa-2026</loc>
    <lastmod>2026-09-21</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/bank-of-whittier-review-usa-2026-3c4878.webp</image:loc>
      <image:title>Bank of Whittier Review (2026): The Riba-Free National Bank Explained</image:title>
      <image:caption>A $152.6 million national bank in California and Texas that refuses to call its return interest. Here is how Bank of Whittier actually works, what it costs and who it suits.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-crypto-trading-halal-spot-futures-margin-staking-2026</loc>
    <lastmod>2026-09-20</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/is-crypto-trading-halal-spot-futures-margin-staking-2026-2c377b.webp</image:loc>
      <image:title>Is Crypto Trading Halal? Spot, Futures, Margin and Staking Compared (2026)</image:title>
      <image:caption>Owning Bitcoin and trading perpetual futures at 50x are different acts. Spot holding, frequent trading, margin, futures, staking and USDC yield, each with the ruling and the reason, mapped to Coinbase and Robinhood.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-savings-account-usa-compared-2026</loc>
    <lastmod>2026-09-19</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-savings-account-usa-compared-2026-bd45fb.webp</image:loc>
      <image:title>Halal Savings Account USA (2026): Stearns, UIF, Whittier and Jafari Compared</image:title>
      <image:caption>Four US institutions take riba-free, federally insured savings deposits. Their published profit rates, minimums, fees, FDIC or NCUA coverage and who can open online, plus why Devon Bank is not on the list.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-the-tsp-halal-thrift-savings-plan-funds-muslims-2026</loc>
    <lastmod>2026-09-18</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/is-the-tsp-halal-thrift-savings-plan-funds-muslims-2026-2493c3.webp</image:loc>
      <image:title>Is the TSP Halal? (2026): Which Thrift Savings Plan Funds Muslims Can Use</image:title>
      <image:caption>The G and F Funds are interest-based and every L Fund holds both. The C, S and I Funds are unscreened indexes some scholars tolerate with purification. How a Muslim federal employee should allocate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-money-market-fund-halal-spaxx-vmfxx-swvxx-2026</loc>
    <lastmod>2026-09-17</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/is-money-market-fund-halal-spaxx-vmfxx-swvxx-2026-6a7616.webp</image:loc>
      <image:title>Is a Money Market Fund Halal? SPAXX, VMFXX and SWVXX Explained (2026)</image:title>
      <image:caption>SPAXX, VMFXX and SWVXX hold Treasury debt, repurchase agreements and commercial paper, so their income is interest. What each broker sweeps cash into, how to switch, and where idle cash can sit instead.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/guidance-residential-rates-and-fees-2026</loc>
    <lastmod>2026-09-16</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/guidance-residential-rates-and-fees-2026-d3b558.webp</image:loc>
      <image:title>Guidance Residential Rates and Fees (2026): What It Actually Costs</image:title>
      <image:caption>Guidance Residential does not publish a rate sheet. This page lists every fee and term its own site does disclose, explains how the profit rate is set, and shows how to read its Loan Estimate against a conventional one.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-dividend-etf-usa-2026</loc>
    <lastmod>2026-09-15</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-dividend-etf-usa-2026-62013a.webp</image:loc>
      <image:title>Halal Dividend ETF (2026): SPRE, AMANX, SPSK and the Closest SCHD Alternatives</image:title>
      <image:caption>No US-listed ETF screens for both Shariah compliance and dividend quality. Here is what actually pays income in the halal fund universe, with yields and fees from the issuers&apos; own pages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/how-to-roll-over-401k-into-halal-ira-2026</loc>
    <lastmod>2026-09-14</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/how-to-roll-over-401k-into-halal-ira-2026-a7b76c.webp</image:loc>
      <image:title>401(k) Rollover to a Halal IRA (2026): Direct Rollover, Taxes and Funds</image:title>
      <image:caption>Leaving a job is the one moment you can move a 401(k) with no halal options into an IRA with any fund. The rules from irs.gov, custodian choices, purifying old holdings, and a 30-day checklist with every form named.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-merchant-cash-advance-halal-usa-2026</loc>
    <lastmod>2026-09-13</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/is-merchant-cash-advance-halal-usa-2026-3936e4.webp</image:loc>
      <image:title>Is a Merchant Cash Advance Halal? (2026): Factor Rates, Holdbacks, Alternatives</image:title>
      <image:caption>The MCA industry says it is buying your future sales, not lending. Scholars and the FTC look at the same contract and see a high-cost loan. Here is how to read one, and what to use instead.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/halal-hsa-investing-usa-2026</loc>
    <lastmod>2026-09-12</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/halal-hsa-investing-usa-2026-383918.webp</image:loc>
      <image:title>Halal HSA Investing (2026): Which HSA Providers Let You Hold SPUS, HLAL or Amana</image:title>
      <image:caption>An HSA is the most tax-efficient account in the US tax code, and you can fill it with halal ETFs if you pick the right custodian. Fidelity and Lively open the door; Optum keeps it shut.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/jafari-no-interest-credit-union-review-2026</loc>
    <lastmod>2026-09-11</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/jafari-no-interest-credit-union-review-2026-7394b4.webp</image:loc>
      <image:title>Jafari Credit Union Review (2026): Houston&apos;s 0% Islamic Credit Union</image:title>
      <image:caption>Jafari No-Interest Credit Union is an NCUA-insured, volunteer-run Houston credit union that lends at 0% and covers costs through member fees. Who can join, what it lends, what it charges.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/ameen-housing-vs-guidance-residential-2026</loc>
    <lastmod>2026-09-10</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/ameen-housing-vs-guidance-residential-2026-98e15c.webp</image:loc>
      <image:title>Ameen Housing vs Guidance Residential (2026): Co-op or Musharakah</image:title>
      <image:caption>Ameen Housing is a member-funded California cooperative with a waiting list and rent set by appraisal. Guidance Residential is a 35-plus state musharakah financier. How they differ on cost, sale and timing.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/is-working-at-a-bank-haram-muslim-career-guide-2026</loc>
    <lastmod>2026-09-10</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/untitled--1280-x-720-px--40-1771540895843.png</image:loc>
      <image:title>Is Working at a Bank Haram? Scholar Positions &amp; Career Guide (2026)</image:title>
      <image:caption>Is a bank job haram? Named positions from IslamQA, Mufti Taqi Usmani, AMJA, Dar al-Ifta, and Deoband — with fatwa links — plus a practical direct-vs-indirect role test for US Muslims.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/barakah-mortgage-review-rate-murabaha-home-financing-2026</loc>
    <lastmod>2026-09-09</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/barakah-mortgage-review-rate-murabaha-home-financing-2026-e17ab8.webp</image:loc>
      <image:title>Barakah Mortgage Reviews (2026): Rate&apos;s Murabaha Home Financing Explained</image:title>
      <image:caption>Barakah Mortgage is Guaranteed Rate&apos;s halal home financing division. How its Murabaha contract works, who reviewed it, what is published about pricing and states, and how it compares with Guidance Residential and UIF.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.halalwallet.us/blog/amana-mutual-funds-review-2026</loc>
    <lastmod>2026-09-08</lastmod>
    <image:image>
      <image:loc>https://hwzku6hs0jhngybo.public.blob.vercel-storage.com/blog-images/covers/us/amana-mutual-funds-review-2026-729f1c.webp</image:loc>
      <image:title>Amana Mutual Funds Review (2026): AMAGX, AMANX, AMDWX and AMAPX Compared</image:title>
      <image:caption>Saturna Capital&apos;s four Amana funds compared on expense ratios, minimums, screening, performance to December 2025 and tax treatment, with a verdict on which fund a 30-year-old and a 60-year-old should hold.</image:caption>
    </image:image>
  </url>
</urlset>