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.
Compare Bitcoin mortgage lenders
Submit a quick comparison form to see which mortgage lenders fit your situation — BTC holdings, loan size, state availability.
Compare mortgage options →borrowonbitcoin.com is a comparison publisher. We are not a lender, broker, or registered investment advisor. Data verified 2026-05-15. Full disclosures.