Matty A. dives into the world of crypto-backed mortgages, explaining how you can use Bitcoin or Ethereum as collateral to finance a home—without selling your crypto.
Why This Matters
Keep your crypto gains intact: Avoid selling and triggering capital gains taxes
Faster and easier transactions: Lenders like Milo, USDC.Homes, and Figure offer no-credit-check loans and quick funding
FHFA update: Regulators are now exploring crypto as a recognized asset for mortgage applicants at Fannie Mae and Freddie Mac
How Crypto Mortgages Work
Pledge crypto as collateral (often 100% of loan value or more)
Receive fiat funds for your purchase
Loan repayment in traditional currency — collateral returned when paid in full
Beware of margin calls — if crypto value drops, you may need more collateral
Pros & Cons
Pros
Preserve crypto upside potential
No cash down payment or credit check needed
Faster closings than traditional loans
Cons
Crypto volatility risks collateral liquidation
Platform risk — fewer regulations than banks
Who’s It For?
Crypto-holders confident in long-term market growth
Buyers wanting fast, streamlined access to liquidity
Individuals with thin qualifying profiles for traditional loans
Action Steps
Research crypto mortgage lenders: Milo, USDC.Homes, Figure, Ledn, Rocko
Prepare documentation: Proof of holdings, escrow/custody procedures
Build a cash buffer for margin call scenarios
- Stay updated: FHFA’s evolving stance, mortgage market trends
Key Takeaways
Crypto mortgages offer a strategic way to leverage digital assets without selling
They’re fast, flexible, and tax-efficient but come with volatility and collateral risks
- With FHFA backing, crypto is beginning to gain real legitimacy in mainstream lending
Tune In & ShareListen now to discover if a crypto mortgage makes sense for your next real estate move and how to get started. Don’t forget to rate & review Wise Investor Segment, and follow Matty A. on social media for more investing insights!
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