What Is a Crypto Mortgage, Exactly?

[ed]

A crypto mortgage is a home loan where a borrower’s cryptocurrency holdings are considered as part of the mortgage application. Instead of selling crypto to raise a down payment or reserves, lenders may count assets like Bitcoin toward net worth, collateral strength, or liquidity requirements when assessing eligibility.

In most cases, the crypto is not used as direct payment for the home. Rather, it is treated as an additional financial asset — similar to stocks or bonds — often with conservative assumptions due to volatility. The goal is to let crypto holders participate in homeownership without triggering taxes or losing long-term exposure by selling their assets.

[cryptohog]

sounds cool till u see the haircut and realize they barely count it anyway

[JanEmil]

Smart. Will never be approved in EU.

[nihalsari]

@JanEmil feels like you have a beef with EU? whats up with u bro

[JanEmil]

@nihalsari I live in EU. So annoying they always limit AI, Crypto and our freedom.