Guaranteed Rate

Bitcoin Mortgages

Guaranteed Rate is a top-10 US retail mortgage lender that accepts cryptocurrency assets for qualifying. Their digital-first platform supports conventional, FHA, VA, USDA, and jumbo products. Known for competitive rates and fast closings.

Details

Ltv: Up to 97%
Lender: Guaranteed Rate / Rate.com
Ltv Max: 60
Max Loan: Jumbo available
Loan Type: Non-QM / Jumbo Crypto Mortgage
Rate Range: Market competitive
Jurisdiction: US
Margin Calls: N/A
Mortgage Type: Traditional (crypto qualifying)
States Available: All 50 states + DC

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More Bitcoin Mortgages

Milo

Milo is the market leader in Bitcoin-backed mortgages, surpassing $100 million originated in February 2026. Up to 100% financing with no cash down payment required. Rates from 8.25%, zero margin calls, and loans up to $25 million. Licensed in 10+ states.

Abra Bitcoin Lending

Abra is a US-based digital asset wealth management platform offering Bitcoin-backed loans for high-net-worth individuals. Abra Boost and Abra Borrow allow clients to leverage Bitcoin holdings for liquidity without selling, with competitive interest rates for accredited investors. The platform manages over $1 billion in digital assets.

Ameris Bank

Ameris Bank is a regional bank and mortgage lender that accepts cryptocurrency holdings, including Bitcoin, as qualifying assets for residential mortgage applications. Based in the Southeast US, Ameris Bank has updated its mortgage underwriting guidelines to accommodate borrowers with significant digital asset holdings, aligning with FHFA guidance allowing crypto reserves for conforming loans.