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%. Lenders: Milo, Moon Mortgage, Ledn.
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, Moon Mortgage, Ledn
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
| 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, Moon Mortgage, Ledn | Better + Coinbase | Newrez, Rate, LendFriend |
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 →
borrowonbitcoin.com is a comparison publisher. We are not a lender, broker, or registered investment advisor. Data verified 2026-06-18. Full disclosures.