CRYPTO-BACKED HOME LOANS
Don’t Sell Your Digital Assets to Buy a Home - Qualify for a mortgage without selling your Bitcoin and Ethereum
Buy a house without triggering capital gains tax on your crypto holdings
At LendFriend, we offer flexible, private crypto mortgage lending solutions for high-net-worth individuals holding Bitcoin, Ethereum, or other digital assets.
Whether you're building long-term wealth, staking, or simply don’t fit into a traditional underwriting box, our programs allow you to qualify for a bitcoin-backed loan without converting your crypto to cash.
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What is a Crypto-Backed Mortgage With LendFriend?
Unlike other crypto mortgage lenders, our Crypto-Backed Loans 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 and doesn't require any crypto collateral! Instead we utilize an asset depletion mortgage to let high-net-worth crypto investors 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's over $30,000 of eligible monthly income! Meaning you'll quaily for a mortgage in excess of $2M (based on today's mortgage rates)! And that's assuming you have no other sources of income or other assets!
Why Crypto Investors 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 Most banks still rely on outdated underwriting models that favor W2 income, tax returns, and assets held in legacy institutions.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, and retirement funds (IRAs, 401(k)s).
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 discount rate, like 50% for crypto assets, to reflect market risk and liquidity.
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Step 3: Convert to Monthly Income
We convert your crypto balance into a monthly income stream 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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Digital Asset Investors who want to diversify into real estate and are 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
- Continue to hold your Bitcoin, Ethereum, or other crypto assets while buying real estate and enjoy the appreciation of both!
- Works for primary homes, second homes or vacation homes, and investment properties
- We accept crypto held in Coinbase and institutional custodians
- Up to $5M loan amounts available
FAQs: How Crypto-Backed Depletion Loans Work for You
Can I combine crypto-backed asset income with other income sources (like a job or rental income)?
Yes! You can blend 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 loan 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. That means 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 provide documentation proving that you have access and control over the trust-held or custodied crypto, it may be eligible for qualification. This is especially helpful for investors using Coinbase Institutional or inheritance-based trusts.
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.
Will my loan be affected if Bitcoin or Ethereum drop after approval?
No. Once approved, your loan value is locked in based on your verified crypto balance. Market fluctuations after closing do not impact your mortgage terms. One of the reasons lender apply the discount to your qualifying income is because they are accounting for any market volatility in the crypto market
What credit score do I need to get approved?
Most crypto mortgage programs require a 720+ credit score, since these are non-QM loans designed for high-net-worth borrowers using alternative income documentation.
Why Work With a Crypto Mortgage Lender Who Understands Digital Wealth Like LendFriend?
At LendFriend Mortgage, we specialize in helping high-net-worth clients turn their Bitcoin, Ethereum, and other digital assets into mortgage-qualified income—without selling or triggering capital gains taxes.
As a trusted crypto mortgage broker, we offer transparent pricing, fast approvals, and expert guidance—whether you’re buying a home in Austin, Miami, or anywhere your portfolio takes you. Our process is designed for crypto investors who want to move fast, preserve their upside, and qualify with confidence.
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 on your timeline—without waiting on a traditional bank.
Crypto-Based Mortgage Solutions for High-Net-Worth Borrowers
Our Bitcoin and Ethereum-backed mortgage programs use your Coinbase or institutional wallet balances as income—letting you qualify without W-2s, pay stubs, or tax returns.
Get Pre-Approved Quickly
Apply online in minutes. Our pre-approval helps strengthen your offer while letting you avoid selling your digital assets.
Competitive Rates with No Hidden Fees
We offer transparent crypto-backed loan options with no junk fees or unnecessary points—just smart financing tailored to your asset strength.
Personalized Mortgage Guidance
Work 1-on-1 with an advisor who understands digital finance. We guide you through everything from loan value modeling to final closing.
Close in just 3 Weeks
Our process is built for speed.
Work 1-on-1 with an advisor who understands digital finance. We guide you through everything from loan value modeling to final closing.
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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