How do I qualify for a crypto mortgage?

To qualify, you’ll need to use your Bitcoin or Ethereum either as pledged collateral or as reserves:

  • Pledged collateral (crypto mortgage): You pledge your crypto directly to Milo’s secure custodian, Bitgo or Coinbase. Our most popular option is 100% financing with no down payment, made possible by pledging crypto equal to the full loan amount at a 1:1 ratio. For example, if you’re purchasing a $750,000 property, you can pledge $750,000 worth of BTC or ETH to cover the entire loan with no cash out of pocket. You also have the flexibility to combine pledged crypto with a fiat down payment, which reduces the amount of crypto required and can lower your monthly payments.

  • Reserves (self-custody mortgage): You keep your crypto in self-custody and use it as a qualifying asset to strengthen your application. In this path, you contribute fiat for the down payment, and your crypto is never transferred or subject to margin calls. This approach is often chosen by borrowers who want to maintain self-custody while still using their crypto to expand their purchasing power.

Both approaches require completing Milo’s onboarding, KYC verification, and a credit review.

Related questions

What type of properties are eligible?
What is the maximum loan amount for a crypto mortgage?

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