Using Cryptocurrency Assets in Mortgage Qualification

As digital assets continue to gain mainstream acceptance, many borrowers are surprised to learn that most mortgage lenders still do not recognize cryptocurrency holdings during the loan qualification process, especially for reserves or asset verification.

We now allow eligible cryptocurrency assets to be used in the mortgage qualification process, giving qualified borrowers more options without forcing them to liquidate long-term investments.

The Problem With Conventional Mortgage Underwriting

In conventional mortgage lending, assets such as:

• Stocks
• Bonds
• Mutual funds
• Retirement accounts

are routinely considered during underwriting without requiring liquidation.

However, despite crypto becoming a widely held asset class, many lenders still require borrowers to sell their cryptocurrency to use the funds as reserves or for qualification. This approach can create unnecessary tax events, disrupt long-term investment strategies, and limit borrowing options for crypto-savvy clients.

Our Approach: Recognizing Crypto Without Liquidation

We now recognize eligible cryptocurrency assets in the mortgage qualification process without requiring borrowers to convert them to cash. This means qualified borrowers may use crypto holdings for:

• Asset verification
• Reserve requirements
• Income estimation (where program guidelines allow)

By doing so, borrowers can maintain their digital asset positions while still qualifying for a mortgage. During review, we verify:

• Ownership and control of the assets
• Transaction history and valuation consistency
• Compliance with program and investor guidelines

This ensures a responsible and transparent approach while expanding qualification options.

If you have any questions, contact our office; we’ll put you in touch with a loan officer who can provide more information. You can also fill out our Fast Quote form, which will provide us with more information about your transaction.