Crypto-Backed Mortgages in Texas & Florida
Put your digital assets to work.
Put your digital assets to work. Use bitcoin and other crypto as reserves or a down-payment source without liquidating everything.
120+ lender partners · Same-day response · NMLS #2661068 · Licensed in TX & FL
Overview
A crypto-backed mortgage recognizes your digital assets as part of your financial picture — as reserves, proof of liquidity, or a documented source of down-payment funds — instead of pretending they don't exist. For a growing number of buyers, real wealth lives on-chain: in bitcoin, ethereum, and other holdings that a conventional lender will flatly refuse to consider. A crypto-friendly, non-QM approach closes that gap so your portfolio can help you buy a home.
This is very much a matchmaking problem. Only some lenders accept digital assets, and those that do have real differences in how they verify ownership, how much value they'll count, and whether they want the crypto converted to dollars before closing. Texas and Florida are natural markets for this — both have large holder communities and no state income tax — but the program still has to be sourced carefully. With 120+ lender partners, finding the one that treats your holdings the most favorably is half the work I do for you.
How lenders handle digital assets
Two things drive the underwriting: volatility and provenance. Lenders apply a haircut — counting a conservative percentage of your holdings' current value rather than the full amount — to absorb price swings. And they require a clean paper trail: proof of ownership from exchange or wallet records, and, when crypto is used for the down payment, conversion to U.S. dollars that's then seasoned in a bank account with documentation of the source of funds. Some programs let you keep your position and count holdings as reserves after the haircut; others convert a portion for the down payment. I'll structure it so you liquidate as little as possible while still satisfying the lender.
Who it's for
Crypto-backed mortgages fit long-term holders and investors, early employees paid partly in tokens, and entrepreneurs in the digital-asset space whose wealth is concentrated on-chain. They're most useful when you'd rather not sell your entire position to buy a home, when your traditional income or assets alone won't stretch to the purchase, or when you simply want your portfolio recognized for what it is.
What to know
Crypto-Backed Mortgages, plainly.
Digital assets count
Bitcoin and other crypto used as reserves or a down-payment source.
Keep your position
Often no need to fully liquidate; a portion is converted and seasoned, or holdings count as reserves.
Volatility handled
Lenders apply a haircut and count a conservative percentage of current value.
Clean documentation
Ownership verified from exchange/wallet records; converted funds seasoned and sourced.
Crypto-friendly states
Texas and Florida have large holder communities and no state income tax.
120+ lenders shopped
Only some accept digital assets, and rules vary widely; I find the best fit.
Frequently asked
Frequently asked questions.
Related guides
- Crypto Mortgages: Using Digital Assets to Buy a HomeA crypto mortgage lets you use bitcoin and other digital assets as reserves or a down payment source to qualify for a home loan. How crypto-backed mortgages work in TX & FL.
- Non-QM Loans Explained: The Types Every Borrower Should KnowA non-QM (non-qualified mortgage) uses flexible, alternative documentation to qualify self-employed buyers, investors, and retirees. The main types, explained, for TX & FL.
- Asset Depletion Loans: Qualify on Your Assets, Not Your IncomeAn asset depletion loan converts your savings, brokerage, and retirement accounts into qualifying income — no job or tax returns needed. How asset-based mortgages work in TX & FL.
Explore related programs
- Asset DepletionQualify on your assets, not your income. Built for retirees and high-net-worth buyers who are asset-rich but income-light on paper.
- Self-EmployedBank-statement and alternative-documentation loans for 1099 contractors, freelancers, and business owners. Qualify with deposits instead of tax returns.
Next step
See if your crypto can qualify you.
Tell me what you hold and I'll find the lenders that count it.
120+ lender partners · Same-day response · NMLS #2661068 · Licensed in TX & FL
NMLS #2661068 · 120+ lender partners · same-day response