What type of loan products does Milo offer?

Milo offers three mortgage and lending solutions designed for crypto holders:

Crypto Mortgage A crypto mortgage is a 30-year mortgage that lets you finance a U.S. property by pledging your Bitcoin or Ethereum as collateral. By pledging crypto at a 1:1 ratio to the loan amount, you can access up to 100% financing with no down payment required. For example, pledging $500,000 in BTC or ETH secures a $500,000 mortgage.

  • Your pledged assets are securely custodied with regulated partners.
  • All crypto mortgages are interest-only with fixed rates, keeping monthly payments lower and predictable.
  • Flexible options are also available, where you can combine pledged crypto with fiat for a lower loan-to-value (LTV) and reduced monthly payments.

Self-Custody Mortgage A self-custody mortgage is a 30-year mortgage that allows you to qualify using your crypto as reserves without moving it to a third-party custodian. Your Bitcoin or Ethereum remains in your own wallet while it is considered in your application to strengthen your profile alongside a fiat down payment.

  • No margin call risk, since your crypto is never pledged.
  • Ideal for those who want to maintain full control of their assets while using them to unlock mortgage eligibility.
  • Like all Milo mortgages, self-custody mortgages are interest-only with fixed rates.

Crypto Loan A crypto loan is a short-term, interest-only loan that provides liquidity without selling your crypto. Standard loans require a 2:1 collateral ratio (for example, $200,000 in BTC or ETH pledged for a $100,000 loan). For clients who prefer a more conservative structure, Milo also offers a 3:1 collateral option, reducing the risk of a margin call by pledging more collateral against the same loan amount.

  • Often used for real estate needs such as all-cash purchases, construction financing, or renovations.
  • Can also be used for fast liquidity with minimal documentation, while keeping your crypto invested.

Related questions

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1-888-433-6456 (MILO)

545 NW 26th Street, Suite 200
Miami, FL 33127

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Milo Credit, LLC is a direct lender and licensed under NMLS #1811449.
Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access

EQUAL CREDIT OPPORTUNITY ACT NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers Milo Credit’s compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.