Many crypto investors face a common dilemma: they want to buy property but don’t want to cash out their Bitcoin, Ethereum, or other digital assets. Traditional mortgage lenders don’t recognize cryptocurrency as qualifying income, leaving investors stuck between their real estate goals and their crypto holdings.
The good news? There’s now a loan program specifically designed for crypto investors that allows you to qualify for a mortgage using your digital assets without selling them. This isn’t some futuristic concept – it’s available right now and could be the solution you’ve been looking for.
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What Is a Crypto Mortgage Program?
A crypto mortgage program works similarly to traditional asset depletion programs, but instead of using stocks or bonds, it uses your cryptocurrency holdings to determine qualifying income. The lender takes your verified crypto portfolio value and calculates a monthly income figure based on depleting those assets over a specific timeframe.
This approach recognizes that crypto investors often hold substantial wealth in digital assets, even if they don’t have traditional W-2 income or tax returns that show their true financial capacity.
How Does the Crypto Qualification Process Work?
The process uses a straightforward “crypto depletion” formula. Here’s how it breaks down:
The Formula: Your total verified crypto holdings ÷ 60 months = monthly qualifying income
For example, if you have $600,000 in verified cryptocurrency, that translates to $10,000 per month in qualifying income ($600,000 ÷ 60 = $10,000). This monthly income figure is what lenders use to determine how much home you can afford.
Verification Methods: The program accepts multiple ways to verify your crypto holdings:
- Blockchain explorers
- Centralized exchanges
- Self-custody wallets
Your crypto doesn’t need to stay on exchanges during the loan process. Whether you hold Bitcoin in a hardware wallet or Ethereum in a DeFi protocol, there are ways to verify and qualify that value.
Benefits of Using Crypto to Qualify for a Mortgage
This crypto mortgage program offers several advantages over traditional lending:
No Traditional Documentation Required
- No tax returns needed
- No W-2s or employment verification
- No paystub requirements
- No lengthy employment history verification
Flexible Property Options
- Primary residences qualify
- Investment properties are eligible
- Can close in an LLC structure
- Perfect for real estate investors
Substantial Loan Limits
- Loan amounts up to $3 million
- Cash-out refinancing up to $1.5 million
- Competitive rates for qualified borrowers
Financing Flexibility
- Adjustable-rate mortgage options
- Interest-only payment structures available
- Various term lengths to match your strategy
Who Is This Crypto Mortgage Program Best For?
This program works particularly well for specific types of crypto investors:
Long-Term Crypto Holders: If you’ve been holding Bitcoin, Ethereum, or other cryptocurrencies for years and have seen significant appreciation, this program lets you access that wealth without triggering taxable events.
High-Net-Worth Crypto Investors: Investors with substantial crypto portfolios who want to diversify into real estate while maintaining their crypto positions.
Real Estate Entrepreneurs: Those looking to build a real estate portfolio using crypto wealth, especially investors who want to close properties in LLCs for business purposes.
Cash-Out Refinance Candidates: Current homeowners who want to tap their property equity to reinvest in more cryptocurrency or other investments.
Key Requirements to Keep in Mind
While this program offers more flexibility than traditional mortgages, there are still important requirements:
Down Payment: Plan for approximately 20% down payment.
Loan Limits:
- Maximum loan amounts up to $3 million for purchases
- Cash-out refinancing available up to $1.5 million
Financing Options:
- Adjustable-rate mortgages available
- Interest-only payment options
- Can close in an LLC
Is This Program Right for Your Situation?
Consider this crypto mortgage option if you:
- Hold significant cryptocurrency but lack traditional income documentation
- Want to buy real estate without selling your crypto holdings
- Need financing for investment properties or LLC purchases
- Are looking for interest-only payment options
- Want to do a cash-out refinance to reinvest proceeds
The program fills a gap in the lending market for crypto-wealthy individuals who don’t fit traditional mortgage qualification boxes.
Final Thoughts
This crypto mortgage program represents a significant step forward for digital asset holders who want to enter or expand in real estate. Instead of forcing you to choose between your crypto investments and property ownership, it creates a bridge that lets you leverage both.
For crypto investors who have watched their digital assets appreciate while feeling locked out of real estate markets, this program provides a clear path forward. Whether you’re looking to buy your first home, add investment properties to your portfolio, or refinance existing property, your crypto holdings can now work as qualifying income.
The key is working with lenders who understand both the crypto space and the mortgage industry. Not every lender offers this type of program, so finding the right partner is crucial for success.
Ready to explore how your crypto holdings can help you qualify for a mortgage? This program opens new possibilities for crypto investors who want to buy or refinance real estate without selling their digital assets.
If you’ve been wondering how your Bitcoin, Ethereum, or other cryptocurrency can help you secure financing, this crypto mortgage program might be exactly what you need.
Schedule a consultation with Mortgage Maestro today to learn more about how this program works and see if it’s the right fit for your real estate and investment goals.
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