06/26/2025
Yes, Bitcoin and crypto can count as assets for a mortgage—but with strict conditions, and it depends on the lender and country.
🇺🇸 In the U.S.:
Crypto has been used to support mortgage applications since around 2021, but most traditional lenders treat it very cautiously.
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✅ How crypto is counted as an asset:
Lenders may accept crypto as part of your asset portfolio, like stocks or cash, to show:
You have enough reserves (emergency funds).
You can make a down payment.
You usually must convert crypto to fiat (USD) before the loan closes.
Most lenders want the crypto held for at least 60 days, preferably in your own wallet, not on an exchange.
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⚠️ What most lenders require:
Requirement Details
Proof of ownership Wallet statements or exchange records.
Proof of stability Assets held >60 days; no large swings.
Proof of liquidity Must be easily converted to USD.
No debt linked to crypto Crypto loans or leverage usually disqualify you.
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🔄 Crypto Mortgages (Special Case)
Some companies like Figure, Milo, and Ledn offer crypto-backed mortgages:
You pledge crypto (like BTC or ETH) as collateral.
You can keep your crypto and borrow against it.
Mostly used for investment properties or foreign buyers.
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📅 When did this start?
2021: Crypto began gaining recognition as mortgage-eligible assets.
2022–2023: Lenders like Rocket Mortgage, United Wholesale Mortgage, and Milo began exploring or offering crypto options.
2024–2025: Still not widespread, but more fintech and specialty lenders are opening up.
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🧠 Tip:
If you're using crypto as part of your mortgage application:
Keep detailed records (exchange statements, wallet logs).
Talk to the lender early to know their rules.
Consider converting a portion to fiat in advance.
Want help finding lenders that accept crypto assets?
