Buy a House with Bitcoin?! Crypto Mortgages are Here! | Wise Investor Segment
Millionaire Mindcast
Matt Aitchison
4.4 • 716 Ratings
🗓️ 27 June 2025
⏱️ 9 minutes
🧾️ Download transcript
Summary
Matty A. dives into the world of crypto-backed mortgages, explaining how you can use Bitcoin or Ethereum as collateral to finance a home—without selling your crypto.
Why This Matters
Keep your crypto gains intact: Avoid selling and triggering capital gains taxes
Faster and easier transactions: Lenders like Milo, USDC.Homes, and Figure offer no-credit-check loans and quick funding
FHFA update: Regulators are now exploring crypto as a recognized asset for mortgage applicants at Fannie Mae and Freddie Mac
How Crypto Mortgages Work
Pledge crypto as collateral (often 100% of loan value or more)
Receive fiat funds for your purchase
Loan repayment in traditional currency — collateral returned when paid in full
Beware of margin calls — if crypto value drops, you may need more collateral
Pros & Cons
Pros
Preserve crypto upside potential
No cash down payment or credit check needed
Faster closings than traditional loans
Cons
Crypto volatility risks collateral liquidation
Platform risk — fewer regulations than banks
Who’s It For?
Crypto-holders confident in long-term market growth
Buyers wanting fast, streamlined access to liquidity
Individuals with thin qualifying profiles for traditional loans
Action Steps
Research crypto mortgage lenders: Milo, USDC.Homes, Figure, Ledn, Rocko
Prepare documentation: Proof of holdings, escrow/custody procedures
Build a cash buffer for margin call scenarios
- Stay updated: FHFA’s evolving stance, mortgage market trends
Key Takeaways
Crypto mortgages offer a strategic way to leverage digital assets without selling
They’re fast, flexible, and tax-efficient but come with volatility and collateral risks
- With FHFA backing, crypto is beginning to gain real legitimacy in mainstream lending
Tune In & ShareListen now to discover if a crypto mortgage makes sense for your next real estate move and how to get started. Don’t forget to rate & review Wise Investor Segment, and follow Matty A. on social media for more investing insights!
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Transcript
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| 0:00.0 | What's corner wise investors? |
| 0:06.3 | Welcome back to the channel where we help you build wealth through commercial real estate. |
| 0:10.3 | The federal housing finance agency, aka FHFA, just issued a directive to Fannie Mae and Freddie Mac, |
| 0:19.8 | and it's a big one. |
| 0:22.2 | These two mortgage giants back about half of all U.S. home loans. So they carry some weight. Now, they're being told |
| 0:28.5 | to develop plans to count crypto holdings as reserve assets and mortgage underwriting. |
| 0:35.3 | So what does that mean? That means crypto wealth and the overall |
| 0:41.0 | accumulation of value of your crypto portfolio could soon qualify borrowers for mortgage |
| 0:48.5 | approval without you actually having to sell those assets first, which has ultimately been the biggest issue |
| 0:55.8 | many people have had when it comes to wanting to not liquidate their assets and create |
| 1:00.6 | a taxable event from the crypto perspective. And with the adoption of crypto as a financial |
| 1:08.6 | instrument that is actually being recognized on this level. |
| 1:13.3 | This is pretty game-changing. |
| 1:15.4 | So this only applies to loans backed by Fannie Mae and Freddie Mac. |
| 1:21.1 | This does not apply to FHA. |
| 1:23.3 | It doesn't apply to VA, USDA, or private bank loans, at least not yet. |
| 1:28.6 | Still, if Fannie and Freddie roll this out, this is going to set a massive precedent that is |
| 1:34.7 | likely going to lead to many of those other loan vehicles following suit. |
| 1:40.5 | So here's what the directive included. |
| 1:44.0 | Crypto must be held on U.S. regulated centralized exchanges. |
| 1:48.2 | It must be verifiable by the lender. |
| 1:51.2 | Fannie and Freddie must develop risk-based models to account for the price volatility. |
... |
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