Crypto Mortgage Loans

Own cryptocurrency and planning to buy a home? Before you sell or liquidate your crypto assets, your scenario may be worth reviewing.

Eligible cryptocurrency assets may be reviewed for a mortgage.

In some cases, eligible cryptocurrency assets may be considered for down payment, closing costs, or reserves when guideline requirements are met.

How Crypto Assets May Help

This page is not about using crypto as the mortgage itself. Instead, it is about reviewing whether eligible cryptocurrency assets may be considered as part of your overall mortgage scenario.

Down Payment

Eligible cryptocurrency assets may be reviewed toward funds needed for your down payment.

Closing Costs

Eligible cryptocurrency assets may also be reviewed for closing costs, depending on the scenario.

Reserves

Some scenarios may allow eligible cryptocurrency assets to be reviewed for reserves.

What We Review

Whether the assets appear to meet loan program and documentation requirements
How the cryptocurrency is currently held
Whether the assets may be relevant for down payment, closing costs, or reserves
Whether liquidation may still be necessary depending on the transaction requirements

Examples of Where Assets May Be Held

Assets may be held through major crypto exchanges, payment apps, investing apps, traditional brokerages, banks offering crypto access, or self-custody wallets.

Crypto exchanges, such as Coinbase, Crypto.com, Gemini, Binance.US, OKX, or Bitstamp
Payment or investing apps, such as Cash App, PayPal, or Robinhood
Traditional brokerages or banks, such as Fidelity, Schwab, E-Trade, Morgan Stanley, or SoFi
Hardware wallets or self-custody wallets
Multiple platforms or accounts

Important: Not all cryptocurrency assets qualify. Assets pledged as collateral, connected to a crypto-backed loan, line of credit, or similar financing may not be eligible. Guidelines, documentation requirements, asset sourcing, escrow requirements, and underwriting review all apply. This is not a commitment to lend or extend credit.