Crypto-Backed Mortgages

Leverage your digital assets to secure real estate without triggering capital gains taxes.

Program Overview

For many crypto investors, buying a home used to mean selling off their digital assets and facing a massive tax bill. Crypto-backed mortgages change that. These innovative loan programs allow you to use your cryptocurrency holdings as collateral or as proof of reserves for a mortgage.

This allows you to maintain your position in the market while unlocking the value of your portfolio to purchase real estate. It's the modern way to bridge the gap between digital wealth and physical assets.

Key Benefits

No Capital Gains Tax

Since you aren't selling your crypto, you don't trigger a taxable event.

Keep Your Upside

Retain ownership of your assets so you don't miss out on future market appreciation.

Flexible Qualification

Qualify based on your asset wealth rather than traditional income documentation.

High Loan Amounts

Programs available for high-net-worth individuals looking for jumbo-sized loans.

Standard Requirements

  • Collateral: Requires a significant amount of crypto holdings (Bitcoin, Ethereum, etc.) to pledge.
  • LTV Ratio: Loan-to-Value ratios are often lower (e.g., 60-70%) to account for crypto volatility.
  • Custody: Assets may need to be held with a qualified custodian during the loan term.
  • Credit Score: While asset-based, a reasonable credit history is still typically reviewed.

Documents Needed to Apply

  • Wallet addresses/statements for proof of assets
  • Transaction history to prove ownership duration
  • Copy of driver's license
  • Social Security number
  • Bank statements for any fiat reserves

Unlock Your Digital Wealth

Discuss your portfolio with a crypto-savvy mortgage professional.

Inquire About Crypto Loans