Own Your Home.
Not Someone Else's Debt.
Baytly uses Islamic co ownership (Musharakah) to help you buy your home without interest. You and Baytly co purchase the property. You buy our share over time. No riba. No compromises. Just keys in your hand.
Underserved
Rate
Closing Time
Muslim families deserve
better than this.
The Riba Trap
Conventional mortgages charge interest, riba. For millions of Muslim families, this is not just a financial concern. It is a spiritual one. Many choose to rent forever rather than compromise their faith. Others take the loan and carry the guilt.
The Trust Crisis
Our community has been burned. Families have lost their life savings to developers who promised halal housing and delivered nothing. The result is deep distrust of anyone claiming to offer Islamic financial products. We understand why.
The Monopoly Problem
Today, there is essentially one major option for Islamic home financing in America. That means slow processing, limited technology, no competition on rates, and a take it or leave it experience. You deserve choices.
We built Baytly because this community deserves a home financing experience that is honest, transparent, and built for the 21st century.
Co ownership, step by step.
Baytly and you buy the home together. You live in it. You gradually buy our share over time. No interest, no debt, just a partnership that ends with you owning 100 percent.
We Co Purchase The Home
You bring your down payment. Baytly contributes the remaining amount. Ownership is split transparently on day one, and your name is on the home.
You Live In It, You Pay A Usage Fee On Our Share
Each month, you make one payment covering two things, a usage fee on Baytly's share and an equity payment that buys more of our ownership.
You Own 100 Percent
Over 15 to 30 years (you choose), you gradually acquire all of Baytly's ownership. When you are done, the home is fully yours, with no interest and no debt.
This is genuine co ownership, reviewed and approved by independent Sharia scholars.
See exactly what halal homeownership
looks like for you.
Enter your numbers below. No account needed. No sales pitch. Just math.
Same payment. Zero interest. 100% halal.
Not all home financing
is created equal.
| Feature | Baytly | Conventional | Legacy Islamic |
|---|---|---|---|
| Interest / Riba | ✓ Zero interest | ✗ Interest based | ✓ No interest |
| Digital Application | ✓ 100% online | ✓ 100% online | ✗ Mostly phone or email |
| Pre Approval Speed | ✓ Minutes | ✓ Minutes | ✗ Days to weeks |
| Target Close Time | ✓ 21 days | ✓ 21 to 30 days | ✗ 45 days plus |
| Transparent Pricing | ✓ Calculator on site | ✓ Published rates | ✗ Call for quote |
| Published Sharia Audit | ✓ Annual, public | N/A | ✗ Not published |
| Customer Fund Protection | ✓ Third party escrow | ✓ Standard escrow | Varies |
| Prepayment Penalty | ✓ None ever | Varies | ✓ None |
Built by the community.
For the community.
Baytly was born from a simple frustration, why is it so hard for Muslim families to buy a home without compromising their faith?
Our founder grew up watching families in Minnesota's Somali community face an impossible choice. Pay interest and carry the spiritual weight, or rent forever and never build wealth.
We knew technology could fix this. We knew transparency could rebuild trust. And we knew the community deserved something real.
So we built Baytly, a regulated, licensed financial technology company with Sharia scholars reviewing every contract, and a platform you can use.
Regulated & Licensed
Baytly is registered with NMLS and complies with federal and state requirements. Our NMLS number is publicly verifiable.
Sharia Certified
Our co ownership structure is reviewed by independent scholars. We publish a Sharia audit because trust should be verifiable.
Your Money Is Protected
Customer funds can be held in third party escrow accounts. Your down payment should never be mixed with operating funds.
Radical Transparency
We publish pricing logic and progress updates. No fine print surprises. What you see is what you get.
We know trust is earned, not claimed.
We are asking you to watch us.
Be the first to finance your home the halal way.
We are launching in Minnesota first, then expanding nationwide. Join the waitlist for early access, priority pricing, and a voice in shaping the product.