How much crypto do I need to qualify?

The amount of crypto required depends on how you choose to use it in the mortgage:

Pledged collateral: To access up to 100% financing with no down payment, you’ll pledge crypto equal to the full loan amount at a 1:1 ratio. For example, if you’re financing a $400,000 property, you can pledge $400,000 worth of BTC or ETH and cover the entire purchase with your crypto. You also have the option to combine pledged crypto with a fiat down payment, which reduces the amount of crypto required and can lower your monthly payments.

Reserves: When used as reserves, the pledge requirement is relative to your loan amount and other qualifying factors. Your crypto stays in self-custody and is counted as a qualifying asset to strengthen your profile. This allows you to contribute fiat for the down payment while using your crypto to expand your purchasing power beyond what fiat alone would allow.

Related questions

How do I qualify for a crypto mortgage?
What type of properties are eligible?

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