Guidance Financial Group, located in Reston, Va., provides a variety of Sharia-compliant financial products and services to individual and business customers. It offers a range of services, such as financial counseling and mortgage replacement services. The company provides a variety of loan products for home buying and improvement. It undertakes replacement contracts to finance up to 95 percent of the appraised value of the customer s property. Guidance Residential, a wholly owned subsidiary of Guidance Financial Group, offers declining balance co-ownership programs that are designed for home purchases and replacement of existing conventional mortgage. Guidance Residential is a licensed mortgage lender and broker in the state of Massachusetts and is licensed by the Department of Corporations under the California Residential Mortgage Lending Act.