Crypto Mortgage

Crypto mortgage is the everyday term for any mortgage that uses cryptocurrency as part of qualification — whether as collateral or as reserves. The phrase is more commonly searched than the precise product names, so it's often used interchangeably with crypto-backed mortgage even though the latter is a specific structure.

At Milo, two distinct crypto mortgage products exist: the crypto-backed mortgage (you pledge Bitcoin or Ethereum as collateral and can finance up to 100% of the home price) and the self-custody mortgage (your crypto stays in your wallet and counts as reserves to qualify, with a higher down payment but no margin call risk). The right fit depends on whether you prioritize maximum financing or maximum custody.

Why it matters for Milo customers

At Milo, 'crypto mortgage' refers to the crypto-backed mortgage and self-custody mortgage product family. Both let you finance U.S. real estate while keeping your Bitcoin or Ethereum exposure intact.

Related terms

Crypto-Backed MortgageSelf-Custody MortgageCrypto-Backed LoanCrypto Collateral
Crypto CollateralCrypto Tax Lot

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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

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