Like so many young professionals, Pulak Bhuiya wanted a place he could call his own. He graduated from college, got a decent job as a systems analyst for Credit Suisse Bank in Manhattan and got married. -snip But because Bhuiya's Islamic faith prohibits him from taking out an interest-bearing loan, homeownership was out of reach. Then, through friends, Bhuiya, 32, heard about a financing program geared toward Muslims -- one approved by religious scholars and structured to avoid paying interest. Last year, he closed on a four-bedroom, three-bath ranch in Levittown. -snip In 2002, HSBC Bank USA was the first...