Crypto-Backed Mortgages for Bitcoin & Ethereum Investors

Don't liquidate your crypto to buy a house. Avoid capital gains tax.

Traditional lenders force crypto investors to liquidate just to qualify for a mortgage. LendFriend doesn't

We help you purchase a home using your Bitcoin or Ethereum—without triggering capital gains taxes? At LendFriend Mortgage, we make it possible.

Keep your crypto invested. Continue to enjoy the benefit of your digital assets appreciating instead of keeping them in a deflating fiat currency.
No forced liquidation. Avoid converting to cash and protect your upside.
No tax surprises. Skip the capital gains hit that comes with a traditional sale.

Whether you’re exploring a Bitcoin mortgage or leveraging Ethereum for real estate, LendFriend helps you turn digital wealth into real-world property—without compromise.

We worked with the LendFriend team and could not recommend it more. As first time home buyers, there is a lot to learn - and LendFriend know how to share their knowledge with patience and professionalism.For anyone considering working with them, just go ahead and give them a call. You will not regret it.

Jesper Holdensen

Closed June 2025
I had a phenomenal experience working with Eric, Morgan, and Crystal at LendFriend and cannot recommend them enough. They helped me secure an asset depletion mortgage (30 year fixed rate), allowing me to qualify using my Bitcoin and Ethereum holdings. This enabled me to purchase an amazing home for my family while keeping and maintaining control of my hard assets... I worked with Eric, Morgan, and Crystal throughout the process. Communication was excellent, everything was explained clearly, and the overall experience was smooth... [Read the whole review by clicking the link below]

J

Closed August 2025
LendFriend Team, I wanted to express my gratitude for your professionalism and guidance in securing the financing for our new home. The world of mortgages felt overwhelming and honestly in my current position I was almost about to give up, but you made it possible with a clear process and super straightforward. We were impressed with your ability to secure loan (Non-QM/Asset-based), I looked around and there are very few who are interested in posting these type of loans, and I know there are a lot of people like me out there. The clarity and responsiveness were a huge comfort. We truly appreciate your hard work in making our home-ownership dream a reality.

Javier Perez Lamadrid

Closed October 2025
LendFriend is the only place to go for mortgage brokerage services. Their unparalleled technical knowledge, relationships with a wide array of lenders, and outstanding service make them the absolute best place to secure your next mortgage.

Robert Daake

Closed March 2025
LendFriend helped me buy my home using my Bitcoin to qualify. I first spoke with a few lenders that my friends recommended to see if I could get a mortgage without selling my Bitcoin and they all turned me down. So, I asked ChatGPT who does crypto mortgages and found these guys. Eric was available 24/7, knew what he was doing and answered all my questions. They got me closed early, and my wife and I love our house. Highly recommend LendFriend!

Gabriel Perez

Closed August 2025
Highly recommend LendFriend!!! As daunting as the process can be to get pre-approved for a mortgage loan, the entire team was great that we worked with that got us to the finish line. Each team member helped us in clearly communicating each step to ensure every step was smooth, in addition being available for a quick call to walk through our questions and concerns when needed. LendFriend was also very competitive with rates and dropped our interest rate last minute right before we closed! They got the job done and made it as stress free as possible.

Ingrid Eichenberger

Closed December 2024

What is a Crypto Mortgage?

A crypto mortgage is a home loan that allows you to use your cryptocurrency holdings, such as Bitcoin or Ethereum, as a factor in qualifying for a mortgage.

Some lenders require that you pledge your crypto as collateral. But Not LendFriend.

At LendFriend, we treat your crypto holdings as qualifying income. This means no portfolio pledging and no capital gains tax. It’s a smarter, more flexible approach than what traditional crypto mortgage lending companies offer.

How it works: A client in Los Angeles held $5M worth of Bitcoin in a hard wallet. Using our crypto-backed mortgage solution, he qualified to buy a home with a $2M mortgage, without needing to show any other income or additional assets. He bought his home just 3 weeks later and got the bitcoin mortgage he needed without selling coins or locking them up as collateral.

Can I use Bitcoin to Buy a House?

Yes, you can buy a house with Bitcoin, but not by paying the seller directly. LendFriend uses an asset-backed model where your crypto counts as qualifying assets. You only convert what’s needed for down payment and closing, keeping the rest invested—avoiding collateral risks, margin calls, and unnecessary taxes.

Can I combine crypto-backed asset income with other income sources (like a job or rental income)?

Yes! You can use multiple sources of income along with crypto asset depletion income with other documented sources like W-2 income, rental income, or retirement benefits. This can help you qualify for a larger crypto mortgage or improve your debt-to-income ratio when applying for a crypto mortgage.

Do I need to sell my Bitcoin or Ethereum to qualify for a loan?

No. Our crypto mortgage programs let you qualify without selling your digital assets. Instead of selling your crypto, leverage your crypto to buy a house. By leveraging it, you can avoid capital gains tax while still using your crypto wealth to buy a home.

Can I qualify if my crypto assets are held in a trust or custodial account?

Yes. As long as you can prove access and control over the account, your crypto is eligible—even in a custodial trust or Coinbase Institutional wallet. This is common for high-net-worth investors using structured trusts or cold storage.

What happens if my crypto drops in value during the loan process

If your crypto-backed assets change significantly—due to withdrawals or market volatility—it may affect your loan value or approval. We recommend keeping balances stable until your loan closes (and you can trade freely thereafter). Your crypto mortgage lender will help guide you on what's considered a safe threshold.

Do crypto mortgage loans have higher interest rates than conventional mortgages?

Typically yes, but only slightly. Since crypto-backed loans fall under non-QM (non-qualified mortgage) guidelines, they often carry 0.5%–1% higher rates than conventional loans. That small increase helps you avoid selling crypto and triggering taxes—making it a smarter long-term play for many investors. Plus, you'll likely make that money back and then some by holding your crypto investment rather than liquidating.

What credit score do I need to get approved?

Crypto mortgage programs require a 700+ credit score, since these are non-QM loans designed for high-net-worth borrowers using alternative income documentation. However, if you want the best rate you should aim for a 780+ credit score.

What's the minimum down payment required with a crypto mortgage?

Typically, lenders will require using a down payment of at least 20% when purchasing a home using a crypto mortgage.