CRYPTO-BACKED HOME LOANS
Use your Bitcoin or Ethereum to qualify for a mortgage without selling or locking up your assets.
What is a Crypto-Backed Home Loan With LendFriend?
Our Crypto-Backed Home Loan allows you to qualify for a mortgage without selling OR locking them up as collateral by utilizing an asset depletion model. It's a huge win for crypto investors! A crypto asset depletion mortgage lets high-net-worth buyers qualify for a home loan by leveraging digital assets—like Bitcoin and Ethereum—instead of W-2 income. Rather than selling your crypto and triggering taxes, lenders calculate your qualifying income based on your current crypto portfolio value.
Quick Example: Say you have Bitcoin held in a Coinbase account that's worth $5M. That $5M translates to roughly $30,000 of eligible monthly income and we can qualify you for a mortgage in excess of $1.5M (based on today's mortgage rates)! That's assuming you have no other sources of income or other assets!
Why Crypto Millionaires Trust LendFriend for Asset Depletion Loans?
At LendFriend Mortgage, we understand the needs of digital-native, financially successful clients who don’t fit into traditional lending boxes. Most banks still rely on outdated underwriting models that favor W2 income, tax returns, and assets held in legacy institutions. They’re slow to adapt—and often don’t recognize the legitimacy of wealth stored in crypto wallets.
We’re different.
We’ve helped clients buy modern homes in Austin, Miami, and Denver using just their Coinbase balance. Whether you’re staking, holding long term, we know how to structure your mortgage around your crypto portfolio—so you can turn digital wealth into a dream property, without cashing out
Here's How LendFriend Will Help You Easily Calculate Your "Income" For A Crypto Asset Depletion Loan?
With a wide network of trusted lenders, LendFriend makes it simple for high-net-worth and non-traditional borrowers to qualify with non-QM mortgage. We turn your unique financial situation into a strength with our portfolio mortgage solutions.
Step 1: Identify Your Eligible Crypto Assets
We use the Bitcoin and Ethereum held in your Coinbase account to start PLUS any assets in checking/savings accounts, CDs, money market accounts, stocks, bonds, mutual funds, retirement funds (IRAs, 401(k)s), and sometimes real estate or business equity.
Step 2: Calculate Their Valuation
Lenders won’t use 100% of every non-cash asset’s value when calculating qualifying income for an asset depletion mortgage. Instead, they apply conservative percentages, like 50% for crypto assets, to reflect market risk and liquidity.
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Step 3: Convert to Monthly Income
We divide the total valuation by 84 months to arrive at your "monthly income" for purposes of calculating the debt-to-income and appropriate preapproved size of your home loan

Stronger Negotiating Position when Buying a Home
The equity in your current home is unlocked and used as a downpayment on your new home; meaning no sales contingency required! Sellers HATE sales contingencies. Without a sales contingency, your offer is stronger, increasing your chances of buying your next home with ease.

Get the Highest and Best Sale Price
Without feeling pressured to sell quickly, you can wait for the best offer on your current home. List your home at the best time, market it effectively, and attract more competitive offers. With no rush, you can negotiate better terms and get the highest selling price.

Reduced Stress
Don't worry about finding temporary housing or organizing multiple moves. Avoid the chaos of having to coordinate the sale of your current home and the purchase of a new one. Transition seamlessly from one home to another and reduce stress or anxiety, making the moving process more manageable and organized.

Time for Improvements
Make necessary renovations or updates to your new property before you move in. Painting, remodeling, or other improvements would be more challenging if you were already living there. Moving into a freshly updated home (instead of living in it during renovations) is just so much nicer!
Want to buy a house without selling your Bitcoin?
Talk to Us About Crypto-Backed Mortgages Today!
Who are Crypto-Backed Mortgage Solutions Right For?
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Long-term crypto holders with seven-figure digital portfolios
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Investors seeking tax-efficient mortgage options
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High Net Worth Individuals with multiple asset classes
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Web3 founders, NFT collectors, DAOs, and DeFi entrepreneur
If you’re asset-rich but income-poor, this flexible alternative offers a way to qualify using what's in your portfolio—even without pay stubs or tax returns.
What are the Key Benefits of Crypto-Backed Mortgages?
- No liquidation = No capital gains tax event
- Maintain your upside while buying real estate
- Works for primary homes, vacation homes, and investment properties
- We accept crypto held in Coinbase and institutional custodians
- Up to $3M loan amounts available
FAQs: How Crypto-Backed Depletion Loans Work for You
Can I combine crypto asset income with other income sources (like a job or rental income)?
Yes! You can blend asset depletion income with other documented income sources, like Social Security, pension income, rental income, or even part-time W-2 income. This can help you qualify for a larger loan or improve your debt-to-income ratio.
Do I need to sell my Bitcoin to qualify?
No. Our program lets you qualify without cashing out, avoiding taxable events.
Can I qualify if my assets are held in a trust?
Yes — in many cases, lenders will allow trust-held assets to be used, as long as you can provide documentation proving you have full access to the funds or meet the terms of the trust that allow their use for housing purposes. This is a great option for beneficiaries using inherited wealth.
What happens if my assets change during the loan process?
If your asset balances change significantly (e.g., large withdrawals, major market losses), it could impact your qualification amount. It’s important to maintain stable balances during the application and underwriting process. Your loan officer or broker will advise on what’s safe.
Does an asset depreciation mortgage have a higher rate than a conventional loan?
Asset depletion mortgages can have slightly higher rates because they fall under non-QM (non-qualified mortgage) guidelines. However, the benefits of maintaining your crypto without having to sell is worth a marginal increase in rate. Crypto-backed mortgages typically have a a rate that's about 0.5%-1% higher than a conventional Jumbo loan.
What happens if crypto values drop after approval?
Loan amounts are calculated based on your initial verified balance—you won’t lose your approval due to short-term fluctuations after closing.
What credit score do I need to get approved?
Since this is a new non-QM product, borrowers must have a high 720+ credit score to be eligible for a crypto-backed mortgage.
WHY CHOOSE LENDFRIEND?
At LendFriend Mortgage, we’re more than just a lender — we’re your trusted mortgage broker, dedicated to securing you the right mortgage rate for you with no hidden fees. Our user-friendly technology and transparent process make it easy to compare mortgage options, get pre-approved, and close quickly.
Around the Clock
We’re here 7 days a week, 365 days a year to help you compare mortgage rates, get pre-approved, and move forward with confidence to buy or refinance your home on your timeline.
Asset-Based Mortgage Solutions for High-Net-Worth Borrowers
Our asset depletion loans allow you to qualify using your wealth—not traditional income—so you can secure the home you want without compromise.
Get Pre-Approved Quickly
Apply online to secure a pre-approval that strengthens your offer and moves you one step closer to your new home.
Competitive Rates with No Hidden Fees
We help you secure competitive asset depletion mortgages with transparent terms—no hidden fees, no unnecessary points, just financing structured around your financial strength.
Personalized Mortgage Guidance
You’ll work closely with a dedicated mortgage expert who helps you compare loan programs, understand mortgage terms, and navigate the financing process with clarity and confidence.
Close in just 3 Weeks
Our process is built for speed. Most clients close their home loan in just 3 weeks.
Google Reviews From Happy Clients
5/5 Star Reviews on Google, Zillow, and Experience.

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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 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 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 was such a wonderful partner in the process of buying our first home. They were so helpful and patient in giving us guidance, and their availability to communicate was next-to-none. I can't recommend them highly enough!
Hunter Hampton
Closed February 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
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