What is the ruling on buying a house with an interest-based loan in America due to the unavailability of Islamic banks? Is it permissible to sell the house to eliminate usury if refinancing through an Islamic bank becomes possible, but only after some time? What is the meaning of Allah's saying, "And give up what remains [due to you] of interest," in this situation?

Borrowing with interest is forbidden except in cases of lawful necessity, such as not having a dwelling without it, or if rent consumes so much of one's income that it does not suffice for basic needs. In such circumstances, there is no objection to taking it, as Allah Almighty says: "And He has detailed for you what He has forbidden you, excepting that to which you are compelled." If borrowing with interest occurred based on a fatwa that permits it, then selling the house to rid oneself of the usurious transaction is not obligatory. As for refinancing, where the bank buys the house in cash and then sells it on a deferred payment basis for a larger amount, this is the forbidden 'inah (buy-back) sale.