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How to Buy Real Estate with Crypto

Investing in Real Estate?

Are you a cryptocurrency investor who's been diligently HODLing your digital assets, watching the market, and dreaming of homeownership? The traditional path to a mortgage often requires liquidating your crypto, triggering capital gains taxes and forcing you to part with assets you believe in. But what if you could leverage your cryptocurrency to qualify for a mortgage without selling it?

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Your Partner Through Journey

As your dedicated real estate partner, I understand the unique financial landscape of crypto investors. I work with lending partners who offer innovative mortgage solutions designed specifically for individuals with significant digital asset holdings. My goal is to help you navigate the path to homeownership, allowing you to use your crypto holdings to secure a mortgage and step into your homeowner era.

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Unlock Homeownership with Your Digital Assets

Many crypto enthusiasts prefer to maintain their investment positions rather than selling their assets. I can connect you with lending solutions that support this strategy, bridging the gap between your digital wealth and your real estate aspirations. This means:

  • No Forced Liquidation: You may be able to use your crypto to qualify for a mortgage without being forced to sell your assets and incur potential capital gains taxes.
  • Maintain Your Portfolio: Your digital assets can remain in your approved custodial wallet, continuing to work for you while you enjoy your new home.
  • Flexible Qualification: Innovative lending programs allow you to use your cryptocurrency in addition to traditional income sources to strengthen your mortgage application.
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How Crypto-Friendly Mortgages Work

While specific program details vary by lender, the general process for leveraging your crypto for a mortgage typically involves:

  • Verify Holdings: Secure confirmation of your eligible cryptocurrency assets held in approved custodial wallets.
  • Qualify with Crypto: Your verified crypto holdings can be considered as part of your income and asset qualification, subject to program guidelines and valuation adjustments.
  • Keep Your Position: In many cases, you won't need to sell your crypto unless you specifically choose to use it for down payment or closing costs, which must be converted to USD.
  • Move In: Achieve homeowner status while your crypto portfolio continues to operate in the digital market.
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Eligibility and Key Considerations

These specialized mortgage programs open new doors, but it's important to understand the general eligibility criteria and specific requirements:

  • Supported Assets: Programs typically support select, widely recognized cryptocurrencies and USD-backed stablecoins.
  • Approved Wallets: Only owned cryptocurrency and stablecoins held in approved custodial wallets are generally acceptable for qualification. Assets in non-custodial wallets or decentralized exchanges are usually not permitted.
  • Valuation Adjustments: As with most investments subject to market fluctuations, valuation adjustments will apply depending on the asset type.
  • Down Payment & Closing Costs: Any funds used for down payment and closing costs must be paid in US currency. If you choose to use crypto for these, it must be converted to USD and properly documented before the loan can fund.
  • Standard Underwriting: These programs operate within established lending frameworks and apply standard anti-money laundering (AML) and know-your-customer (KYC) verification processes, ensuring compliance.
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Your Path to Homeownership Starts Here

The financial landscape is evolving, and so are the opportunities for homeownership. Don't let your investment strategy hold you back from your dream home. As your real estate expert, I am here to connect you with lending partners who understand the value of your digital assets.

Ready to explore how your cryptocurrency can help you qualify for a mortgage? Contact me today to connect with a lending professional who can guide you through the process and help you make your homeownership dreams a reality!

Partner With Our Expert Team

Buying or selling a home is one of life's most significant financial and personal decisions. Our role is to guide clients through that process with expertise, attention to detail, and a commitment to achieving exceptional results.
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The Salazar | Bunnell Group

Danielle Bunnell

Phone

(310) 486-5905

Email

[email protected]

George Salazar

Phone

(310) 400-6756

Email

[email protected]

Address

eXp of Greater Los Angeles 303 N Glenoaks Blvd Burbank, CA 91502 eXp of California 2603 Camino Ramon #200 San Ramon, CA 94583

Danielle Darkmoon Bunnell | CA DRE# 02209149 | eXp Realty of California, Inc.


George Daniel Salazar | CA DRE# 00884017 | eXp Realty of Greater Los Angeles, Inc.

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