A crypto mortgage allows homebuyers to use their cryptocurrency holdings as collateral to qualify for a home loan, rather than relying solely on W-2 income or tax returns. This option is especially useful for crypto investors, entrepreneurs, and self-employed borrowers with significant digital assets but nontraditional income sources. With this type of mortgage, your crypto assets are held in a secure custodial account while the lender assesses the loan-to-value ratio based on your portfolio. You can still keep ownership of your crypto while leveraging its value to buy property. Lenders like LendFriend Mortgage specialize in helping clients across the U.S. access home financing through innovative options such as crypto-backed loans, self-employed mortgages, and other non-QM programs. It’s a modern, flexible solution for borrowers who want to turn digital wealth into real estate ownership.