Bitcoin mortgages
Bitcoin Mortgages: Buy Real Estate With BTC Collateral
By Steven Han and Michael Song
Compare Bitcoin-backed mortgage lenders — non-QM, conforming, and qualify-with-crypto — on rate, custody, and down-payment structure.
IndependentNo credit pullRates verified daily
Bitcoin-Backed Mortgages (7 lenders) · Rates verified September 28, 2026
| Lender | APR range | |
|---|---|---|
Milo Unchanged since June 16, 2026 | 7.00–9.00% | Learn more |
Newfi Unchanged since July 31, 2026 | By consultation | Learn more |
LendFriend Unchanged since June 16, 2026 | By consultation | Learn more |
Battery Finance Unchanged since July 31, 2026 | By consultation | Learn more |
Better Unchanged since June 16, 2026 | By consultation | Learn more |
Newrez Unchanged since June 16, 2026 | By consultation | Learn more |
Rate Unchanged since June 16, 2026 | By consultation | Learn more |
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Tell us how much Bitcoin you hold and how much you want to borrow. We’ll show the mortgage options that fit. No account or credit pull needed.
Understanding Bitcoin mortgages
Bitcoin Mortgages in 2026: How to Buy Real Estate With BTC Collateral
Compare major Bitcoin-backed mortgage lenders, rates, custody models, and down payment structures.
Bitcoin mortgage products matured significantly in early 2026. The Better + Coinbase + Fannie Mae launch in March 2026 brought the first GSE-conforming crypto mortgage to market, while Newrez and Rate launched crypto-qualification programs for traditional non-QM mortgages. Three distinct product categories now exist:
BTC-collateralized non-QM
Bitcoin is pledged as collateral, fully or partially replacing a traditional cash down payment. Non-QM means flexible underwriting, foreign nationals, no income verification, higher LTVs up to 100%. Lender: Milo.
BTC-collateralized conforming (GSE-backed)
A standard Fannie Mae conforming first mortgage paired with a BTC-backed second loan that funds the down payment. Standard full-doc underwriting (income, DTI, credit). No margin calls tied to Bitcoin price movements. Lender: Better + Coinbase.
Qualify-with-crypto (no pledge)
Bitcoin is not pledged. It counts toward income/asset qualification with a volatility haircut. Borrower keeps custody, funds down payment in USD. No margin call risk. Lenders: Newrez, Rate, LendFriend.
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Compare mortgage options →How the three product types compare
Non-QM collateralized
- BTC pledged
- Yes
- Margin call risk
- Yes
- Income verification
- Flexible / none
- Down payment source
- BTC collateral
- Lenders
- Milo
Conforming (GSE-backed)
- BTC pledged
- Via second loan
- Margin call risk
- No
- Income verification
- Full-doc required
- Down payment source
- BTC-backed second loan
- Lenders
- Better + Coinbase
Qualify-with-crypto
- BTC pledged
- No
- Margin call risk
- No
- Income verification
- Full-doc required
- Down payment source
- USD (BTC as asset)
- Lenders
- Newrez, Rate, LendFriend, Newfi
| Non-QM collateralized | Conforming (GSE-backed) | Qualify-with-crypto | |
|---|---|---|---|
| BTC pledged | Yes | Via second loan | No |
| Margin call risk | Yes | No | No |
| Income verification | Flexible / none | Full-doc required | Full-doc required |
| Down payment source | BTC collateral | BTC-backed second loan | USD (BTC as asset) |
| Lenders | Milo | Better + Coinbase | Newrez, Rate, LendFriend, Newfi |
Bitcoin mortgage lender reviews
Want the full breakdown?
Our in-depth guide walks through each of the three types, exactly how each behaves when Bitcoin’s price falls, the tax angle, and the full cost. Read: How to buy a home without selling your BTC →
Related Guides
Deeper reading on Bitcoin mortgages and borrowing against Bitcoin.
- August 12, 2026If Your Stack Could Pay Off Your Mortgage, Would You?Reddit argues the interest rate decides it. The bigger variable is when. A worked example of a $400,000 mortgage against a 10 BTC stack, priced across the cycle, with the coverage ratio and the after-tax hurdle that actually settle it.Read guide
- June 16, 2026Can You Get a Mortgage Through Coinbase?How the Coinbase and Better Bitcoin mortgage works: a Fannie Mae conforming home loan plus a crypto-secured down-payment loan, what you pledge, and the catches.Read guide
- July 30, 2026Best Bitcoin-Backed Mortgage Loans of July 2026Compare crypto mortgage lenders, rates, margin call rules, and how to qualify for a mortgage with crypto, all without selling your bitcoin. Eight programs, three structures, verified July 2026.Read guide
- August 17, 2026Bitcoin Loan Rates August 2026: Where APRs Stand and How to Compare LendersCurrent Bitcoin-backed loan rates for August 2026: the average all-in APR at $100k and 50% LTV across US lenders, plus how borrowing more or at a lower LTV changes your rate.Read guide
- August 17, 2026Bitcoin Loan Rates July 2026: Where APRs Stood Across US Lenders (Covers July 2026)Bitcoin-backed loan rates for July 2026: the average all-in APR at $100k and 50% LTV across the six US lenders in our index, what changed during the month, and how the figures compare to June and August.Read guide
- August 17, 2026DeFi Bitcoin Loan Rates August 2026: Onchain Borrow APRs Across ProtocolsCurrent onchain Bitcoin borrow rates for August 2026: the TVL-weighted average variable USDC APR against wrapped Bitcoin across 10 DeFi protocols, how much they moved during the month, and how they compare to centralized lenders.Read guide
borrowonbitcoin.com is a comparison publisher. We are not a lender, broker, or registered investment advisor. Data verified 2026-09-29. Full disclosures.