Rate RateFi

Bitcoin Mortgages

Rate (formerly Guaranteed Rate), a major Chicago-based mortgage lender, launched RateFi in February 2026 as a nationwide non-QM mortgage product allowing borrowers to use verified large-cap cryptocurrency holdings as qualifying income and reserves without liquidation. RateFi applies a proprietary valuation framework accounting for crypto market price, liquidity, and volatility, and requires assets held with approved centralized custodians or exchanges. Borrowers using crypto for down payment must still convert those funds to cash prior to closing.

Details

Lender: Rate (Guaranteed Rate)
Ltv Max: 60
Regions: US — nationwide
Loan Type: Non-QM Crypto Mortgage (RateFi)
Founded Year: 2000
Jurisdiction: US
Accepts Btc Collateral: No

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