Moon Mortgage Review: 2026 Bitcoin Mortgage Guide

Moon Mortgage launched in 2022 and occupies the high-balance end of the Bitcoin mortgage market. The minimum loan is $1M, the average is approximately $1.6M, and the product targets borrowers for whom Milo's $275K minimum isn't large enough. Collateral is held by Anchorage Digital — the same federally-chartered custodian used by Arch on the general loan side.

Rates are not publicly posted; quotes require direct engagement. Standard non-QM mortgage underwriting applies: DTI ratio, credit score, and appraisal are all required, unlike Milo's low-doc structure. Moon Mortgage advertises a 14-day close, which is aggressive for any mortgage product. Maximum LTV is 100%, meaning a full Bitcoin pledge can fund the entire purchase. No origination fee is publicly disclosed.

Owner-occupied properties are limited to Florida, Texas, and Colorado. Investment properties are available in most states. For large Bitcoin-backed purchase mortgages in those three states, Moon Mortgage and Milo are the primary competing options. Moon Mortgage's $1M floor, Anchorage custody, and by-consultation pricing position it squarely at the institutional end of the market — borrowers seeking a smaller or more standardized process should start with Milo.

• Anchorage Digital qualified custody
• $1M minimum loan
• 14-day close possible
• Standard mortgage requirements (DTI, credit, appraisal)

• APR not publicly posted — verify directly with company
• Owner-occupied limited to FL, TX, CO
• Company founded 2022

Moon Mortgage is one of several options in the Bitcoin mortgage market. Borrowers often compare it alongside Milo, Better, 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.