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canonical_url: https://lendb.ai/s/crypto-mortgage
last_verified: 2026-10-09
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# Crypto / Bitcoin mortgage loan officers

Mortgages that count cryptocurrency for the borrower: crypto holdings used as qualifying assets or reserves, crypto sold or seasoned for the down payment, or loans collateralized by crypto instead of selling it. Agency guidelines only count crypto once it is converted to dollars and the funds are documented and seasoned, so using it without selling (as reserves, income or collateral) needs a lender with a portfolio or non-QM crypto program, and exchange statements and price swings complicate underwriting. LenDb lists 2 loan officers whose lender pages show Crypto / Bitcoin mortgage work, across 2 states, ranked lender-neutrally with reasons.

## What is a crypto / Bitcoin mortgage?

Mortgages that count cryptocurrency for the borrower: crypto holdings used as qualifying assets or reserves, crypto sold or seasoned for the down payment, or loans collateralized by crypto instead of selling it.

## Why is a crypto / Bitcoin mortgage hard to get?

Agency guidelines only count crypto once it is converted to dollars and the funds are documented and seasoned, so using it without selling (as reserves, income or collateral) needs a lender with a portfolio or non-QM crypto program, and exchange statements and price swings complicate underwriting.

## What should I ask a loan officer about a crypto / Bitcoin mortgage?

Can you count my crypto as assets or reserves without me selling it, and at what percentage of its value? If I sell crypto for the down payment, how long must the dollars season and what exchange records do you need? Do you offer a loan collateralized by crypto, and what happens if its price drops (margin calls, liquidation)?

## What other names does Crypto / Bitcoin mortgage go by?

Crypto / Bitcoin mortgage is also called crypto mortgage, bitcoin mortgage, crypto-backed mortgage, crypto backed mortgage, crypto loan, bitcoin loan.

## How do I find a loan officer for a crypto / Bitcoin mortgage?

LenDb lists loan officers whose lender pages show crypto / Bitcoin mortgage work, ranked lender-neutrally with reasons, state by state at https://lendb.ai/s/crypto-mortgage. Before you apply, confirm the loan officer is licensed in the property's state at NMLS Consumer Access.

## Ranked lists by state

- [Washington](https://lendb.ai/s/crypto-mortgage/washington): 2
- [Oregon](https://lendb.ai/s/crypto-mortgage/oregon): 1

Cite as: LenDb.ai, https://lendb.ai/s/crypto-mortgage.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._