Crypto & Mortgages: Can Your Bitcoin Buy You a Home?
- Neil Caron
- Jul 27
- 2 min read
July 27, 2025 | Market Insights | Presented by ReadySetLoan™
The dream of buying a home with cryptocurrency might sound like a scene from a futuristic movie — but in today’s market, it’s a question that’s leaving many lenders scratching their heads.
While more Americans invest in digital assets like Bitcoin and Ethereum, the Federal Housing Finance Agency (FHFA) has made it clear: Fannie Mae and Freddie Mac aren’t quite ready to fully embrace crypto for mortgage qualification.
💰 Why all the hesitation?
According to ReadySetLoan™, lenders and secondary market giants are worried about crypto’s price volatility and lack of regulation. As it stands, crypto holdings must typically be liquidated and converted into U.S. dollars before being used toward down payments or reserves on a mortgage.
🏠 What about Non-QM loans?
Non-qualified mortgage (Non-QM) lenders — the more flexible side of the mortgage world — have started experimenting with ways to accept crypto. But even here, acceptance is limited and comes with strict documentation requirements.
"We’re seeing a rise in borrowers who want to use crypto to achieve their homeownership goals, but for now, it’s crucial to have a plan to convert those assets into cash early in the process," says Neil Caron, Area Sales Manager at CMG Mortgage.
💡 RSL Perspective
At ReadySetLoan™, we believe in exploring innovative ways to help borrowers achieve their goals. But we also know the importance of playing it safe. Cryptocurrency can be part of your financial journey, but when it comes to buying a home, the old saying still rings true: cash is king.
🐷 RSL Piggy Points™
Crypto holdings are not yet considered stable assets for most mortgage programs.
You’ll likely need to convert crypto to cash before using it for a down payment or reserves.
Always consult a trusted resource like ReadySetLoan™ to guide you on the best steps forward.
Neil’s Take 🎤
"Crypto is an exciting tool for building wealth, but when you’re talking about a big, long-term investment like a house, we recommend securing your assets in cash first. It keeps your offer strong and your process smooth," adds Caron.
Looking to explore your mortgage options (with or without crypto)?
ReadySetLoan™ is your partner every step of the way — your educator, guide, and resource for making confident decisions.
Let’s cross the finish line together.
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