Can You Get a Mortgage With Crypto? Here’s What Banks Are Saying

KEY TAKEAWAYS

• Crypto mortgages let borrowers use digital assets as collateral without converting them to cash.
  
• Lenders like Milo, Ledn, and Figure offer 100% financing options backed by BTC or ETH.
  
• Benefits include maintaining crypto exposure, bypassing cash down payments, and quicker digital processing.
  
• Risks involve crypto volatility, changing regulations, and limited lender participation.
  
• Regulators like FHFA are developing frameworks to formally integrate crypto into home financing

 

In 2025, the landscape of home financing is evolving rapidly to include cryptocurrency assets, allowing prospective homepurchaviewrs to leverage their digital wealth in ways previously unimaginable. Yes, you can now get a mortgage using cryptocurrency, but the process and acceptance depend on the lender, location, and the specific mortgage products available. 

Traditional banks have been cautious, yet innovative fintech lenders and specialized brokers have created crypto-backed mortgage options that enable purchaviewrs to use BTC, ETH, and other as collateral without tradeing their digital assets.

This article dives into how crypto mortgages work, the views of banks and regulators, the opportunities and risks involved, and what you need to know if you want to purchase property with your crypto holdings.

What Is a Crypto Mortgage? How It Works

A is a loan product that allows borrowers to use their cryptocurrency holdings as collateral to obtain financing for real estate purchases. Instead of converting crypto to cash, borrowers pledge a certain value of their BTC or ETH to a lender, who holds it securely.

This collateral enables purchaviewrs to access loan amounts often up to 100% of the property value, bypassing traditional cash down payment requirements. Borrowers then repay the mortgage in monthly installments like any other home loan.

For instance, at Milo, a U.S.-based lender specializing in these products, borrowers can get up to 100% financing with no down payment by pledging an equivalent dollar value of BTC or ETH. The crypto remains in custodial accounts with trusted industry leaders such as Coinbase or BitGo, which assists minimize security risks. 

The borrower benefits by maintaining exposure to potential gains in cryptocurrency value while simultaneously building real estate equity. Interest rates on these crypto mortgages generally range between 8-10%, with typical fixed 30-year terms available.

On the other hand, UK-based mortgage brokers like Enness Global facilitate crypto-backed loans internationally. They evaluate the value of crypto collateral based on current market prices from reputable platforms, and their extensive lender network includes institutions open to these mortgage structures. 

They advise clients that although most traditional banks still exclude cryptocurrency income as qualifying assets for deposits, specialized lenders can provide financing options based on crypto collateral without forcing liquidation.

Banks, Regulators, and Crypto Mortgages: A Shifting Stance

Historically, traditional banks were skeptical about cryptocurrency due to regulatory uncertainty, volatility, and challenges verifying incomes sourced from digital assets. Crypto was not regarded as a reliable or stable asset comparable to cash or securities. However, recent regulatory developments and market demand are pushing the landscape toward more inclusion.

In the United States, the Federal Housing Finance Agency () has formally directed mortgage giants Fannie Mae and Freddie Mac to develop frameworks allowing cryptocurrency to be counted as an asset in mortgage applications. 

This order is part of a broader governmental effort to integrate crypto into mainstream finance, aligning with President Trump’s vision to make the U.S. a global crypto hub. The directive requires these agencies to assess mortgage risk by incorporating crypto assets without needing to convert them to fiat currency, although they are encouraged to apply additional risk mitigation strategies individually.

While Fannie Mae and Freddie Mac prepare for wider acceptance, many private banks and niche lenders are already offering crypto-sensitive mortgage products to borrowers with sophisticated investment profiles. 

These lenders assess digital assets alongside other investments when qualifying applicants. Yet, most traditional lenders remain cautious, often requiring crypto to be converted to cash to count toward down payments or income documentation.

Banks that Give out Mortgages Using Crypto

As cryptocurrency becomes more integrated into traditional finance, some forward-thinking banks now accept digital assets as collateral for home loans. These institutions bridge the gap between crypto wealth and real-world property ownership, allowing investors to leverage their holdings without tradeing them. Some of these institutions are: 

Milo

Milo is a US-based lender that pioneered crypto-backed mortgages and offers loans up to 100% financing with BTC or collateral. Milo allows purchaviewrs to keep their crypto assets while unlocking cash for real estate purchases. They provide 30-year fixed-rate mortgages with interest rates between 8-10%. Your crypto remains held securely with custodians such as Coinbase and BitGo.​

Ledn 

Ledn is focused on crypto loans with BTC as collateral. Ledn offers loan amounts from $1,000 to $1 million. While primarily a crypto loan provider, Ledn presents options to finance property transactions via crypto-backed lending in the Cayman Islands and other markets.​

Figure 

Figure is well known for leveraging for quick approvals. The institution offers crypto mortgages with BTC and ETH collateral up to $500,000. They provide competitive interest rates for crypto-backed home loans.​

USDC.homes

A lender that specializes in stablecoin-backed mortgages, including USDC collateral. They provide 100% loan-to-value financing focused on U.S. real estate, offering a novel way to utilize stablecoins directly for home financing.​

Unchained Capital

They offer BTC-backed loans with a multisignature vault security approach, generally allowing loan-to-value ratios up to 50%. They focus on secure, decentralized custody for collateralized crypto loans.​

SALT Lending

SALT accepts multiple cryptocurrencies such as BTC, ETH, and as collateral for loan terms ranging from 12 to 60 months. SALT provides a flexible APR range depending on borrower profiles.​

Benefits of Cryptocurrency in Mortgages

Using cryptocurrency within mortgage financing has several unique advantages for investors and purchaviewrs:

• No Need to Liquidate: Borrowers can use crypto as loan collateral while retaining ownership of the digital assets, maintaining exposure to potential appreciation.
• Lower Cash Requirements: Certain lenders offer up to 100% financing, allowing purchaviewrs to avoid large cash down payments that typically hinder home purchases.
• Streamlined Process: Crypto mortgages leverage blockchain and digital asset custody answers to enhance transparency and security.
• Increased Purchasing Power: By unlocking the value of crypto holdings, purchaviewrs may afford more expensive properties or multiple investments simultaneously.
• Flexibility in Repayment: Depending on lender policies and local regulations, some programs allow mortgage payments directly from crypto investment earnings later than conversion to fiat.

Challenges and Risks

Despite the promise, crypto mortgages come with distinct risks and challenges:

• Volatility: The fluctuating value of cryptocurrencies can trigger margin calls or require additional collateral to maintain loan terms, creating potential financial stress.
• Regulatory Uncertainty: Rules governing crypto financing vary widely by jurisdiction and may change, impacting loan availability and conditions.
• Limited Lender Participation: Most mainstream banks remain hesitant or outright exclude crypto assets due to perceived risks and compliance complexities.
• Tax Implications: Converting crypto to USD or other fiat currencies can trigger taxable events, complicating planning around mortgage payments or collateral liquidation.
• Documentation Hurdles: Proving the legitimacy and source of crypto assets is vital yet can be complex, requiring extensive documentation and trusted custodian involvement.

Crypto Mortgages: The Future of Home Financing Has Arrived

In 2025, crypto mortgages are increasingly accessible, especially in markets like the United States and the United Kingdom. Specialists such as Milo in the U.S. and Enness Global in the UK provide lending answers tailored to the needs of crypto investors.

These offerings commonly require pledging crypto equal to or exceeding the property purchase price, with loans structured around fixed terms of 15 to 30 years.

Looking ahead, the growing institutional acceptance of blockchain and tokenized real estate assets may further embed cryptocurrency in everyday home financing. Deloitte expects that around $4 trillion of real estate will be tokenized by 2035, which could make crypto mortgages even more mainstream.

Crypto mortgages mark a transformative step, bridging the gap between digital wealth and physical property ownership. Banks are cautiously optimistic but increasingly supportive, especially under regulatory encouragement to incorporate crypto assets prudently.

Borrowers interested in leveraging their cryptocurrency should viewk expert advice, understand the evolving regulatory landscape, and carefully evaluate the risks versus the opportunity to keep their crypto holdings intact while entering the property market.

FAQ

What is a crypto mortgage?
A crypto mortgage allows borrowers to use their cryptocurrency, such as BTC or ETH, as collateral to secure a home loan without tradeing it for cash.

How does a crypto-backed mortgage work?
You pledge your crypto to a lender as collateral. The lender holds it securely through custodians like Coinbase or BitGo, while you make regular mortgage payments in fiat currency.

Do I have to trade my crypto to get a mortgage?
No. With a crypto mortgage, your crypto remains in custody. You retain ownership and potential appreciation while using its value as collateral.

Which banks and lenders offer crypto mortgages?
Innovative lenders like Milo, Ledn, Figure, USDC.homes, SALT Lending, and Unchained Capital offer crypto mortgage products. Traditional banks are still cautious but are gradually exploring options.

What are the advantages of crypto mortgages?

• No need to liquidate crypto holdings

• Up to 100% financing is possible

• quicker approvals through blockchain verification

• Maintains crypto exposure and potential growth

• Flexibility in repayment terms

What are the major risks involved?
The largegest risks are crypto volatility, which can trigger margin calls; regulatory uncertainty; and limited lender availability. Borrowers must also consider potential tax implications.

Are crypto mortgages legal and regulated?
Yes, but regulation varies by country. In the U.S., agencies like the FHFA are developing frameworks to include crypto in mortgage asset assessments. Always confirm local compliance before applying.