Qualify for a Mortgage Using Your Crypto Holdings
Get Pre-QualifiedYour Bitcoin, Ethereum, and stablecoin holdings can be documented and used as qualifying reserves for a mortgage. This is not crypto-collateralized lending — you don't pledge your coins. You verify their value, and they count toward the reserve requirement that lenders need to see. Available for select loan programs in CA, CO, TX, FL, GA, NC, SC, TN, VA.
Crypto Reserve Calculator
Qualifying reserve value (after haircut): $0
Required reserves: $0
Programs that accept crypto reserves: Non-QM, select DSCR, and some conventional overlays — scenario dependent.
Holdings must be in your name, held on a regulated exchange or cold wallet, and documented with a 3-month statement.
Crypto Asset Mortgage FAQs
Is this crypto-collateralized lending?
No — documented crypto can be used as qualifying reserves in select programs. You are not pledging coins as collateral in the typical sense; reserves are verified and haircuts apply.
Which assets qualify?
Bitcoin, Ethereum, and stablecoins are commonly considered when documented on regulated exchanges or cold storage with acceptable evidence.
What haircut should I expect?
Lenders often apply a 60%–80% haircut to market value when counting reserves — illustrated in the calculator above.