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

1. Pledge crypto as collateral (often 100% of loan value or more)

2. Receive fiat funds for your purchase

3. Loan repayment in traditional currency — collateral returned when paid in full

4. 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

• 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

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