Newfi Review: 2026 Bitcoin Mortgage Guide
Newfi Lending is an Emeryville, California non-QM lender whose Sequoia DSCR program counts Bitcoin and Ethereum toward the reserve requirement without making the borrower sell. Nothing is pledged, so there is no margin call and no custody transfer — the crypto only has to be shown, not moved.
What Newfi Offers
Newfi Lending is an Emeryville, California non-QM lender whose Sequoia DSCR program counts Bitcoin and Ethereum toward the reserve requirement without making the borrower sell. Nothing is pledged, so there is no margin call and no custody transfer — the crypto only has to be shown, not moved.
Your Bitcoin collateral is held via borrower-held, no pledge required. Newfi does not rehypothecate your Bitcoin. Your collateral is kept segregated and untouched.
Rates are quoted by consultation and not publicly posted. The product is available in not publicly posted. The company has been operating since 2016.
Key Facts
- Sequoia DSCR program: qualify on rental income, not personal income
- Up to 25% of the value of BTC/ETH held in a Coinbase account counts toward reserves
- Up to 50% of the value of crypto mutual funds or ETFs held at a traditional provider (e.g. Fidelity, Schwab)
- Crypto-based funds capped at a combined 50% of the total reserve requirement
- Account statements must be dated within 60 days
- Guidelines published 23 January 2026
What to Consider
- Reserves only — crypto does not fund the down payment, which closes in US dollars
- Direct holdings must sit at Coinbase specifically
- Investment property (DSCR) rather than a primary-residence product
Key Risks
- ⚠ Non-QM pricing sits above conforming
- ⚠ Guidelines can change without notice
How Newfi Compares
Newfi is one of several options in the Bitcoin mortgage market. Borrowers often compare it alongside Rate, Newrez, and LendFriend. Each lender differs on APR range, custody model, rehypothecation posture, max LTV, and state coverage, factors that matter differently depending on your loan size and how much you care about custody transparency. The side-by-side comparison lets you sort and filter all Bitcoin mortgage lenders at once.
Newfi Articles & Comparisons
Everything in our catalog that covers Newfi, from guides and analysis to head-to-head comparisons with other Bitcoin lenders.
Frequently Asked Questions
Is Newfi safe to borrow against Bitcoin?
Newfi is operating since 2016. Your collateral is handled via borrower-held, no pledge required. Newfi does not rehypothecate your Bitcoin. As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.
What rates does Newfi charge?
Newfi does not publicly post its rates; quotes are provided by consultation.
Does Newfi rehypothecate my Bitcoin?
No, Newfi does not rehypothecate your Bitcoin. Your collateral is held via borrower-held, no pledge required and is not re-lent to other parties.
What states does Newfi serve?
Newfi is available in Not publicly posted. State availability not publicly posted Always confirm current availability directly with Newfi before applying, as state coverage can change.
What types of mortgages does Newfi offer?
Newfi offers Qualify-with-crypto (BTC counts toward qualification; no pledge). Available terms: not publicly posted. Counts crypto toward DSCR reserves only. No pledge, no custody transfer, no margin call.
What fees does Newfi charge?
Detailed fee information is not publicly posted. Always request a full fee disclosure from Newfi before signing any loan agreement.
How does Newfi compare to other Bitcoin mortgage lenders?
To see Newfi side-by-side with every other major Bitcoin mortgage lender, rates, custody model, LTV, and more, use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.
Key Terms
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Compare all Bitcoin mortgage lenders →We are not a lender, broker, or registered investment advisor. We may receive compensation from some lenders featured; this does not influence our default ordering or the factual data we publish. Rates and terms are subject to change; verify directly with each lender before applying. Full disclosures.