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Buy a House with Bitcoin?! Crypto Mortgages are Here! | Wise Investor Segment

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Manage episode 491169130 series 1206852
Content provided by Matt Aitchison. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Matt Aitchison or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.

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

  1. Pledge crypto as collateral (often 100% of loan value or more)

  2. Receive fiat funds for your purchase

  3. Loan repayment in traditional currency — collateral returned when paid in full

  4. 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!

  • Episode Sponsored By:

    Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/

    CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!

    FREE CRE Crash Course: Text “FREE” to 844-447-1555

      continue reading

    1084 episodes

    Artwork
    iconShare
     
    Manage episode 491169130 series 1206852
    Content provided by Matt Aitchison. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Matt Aitchison or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.

    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

    1. Pledge crypto as collateral (often 100% of loan value or more)

    2. Receive fiat funds for your purchase

    3. Loan repayment in traditional currency — collateral returned when paid in full

    4. 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!

  • Episode Sponsored By:

    Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/

    CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!

    FREE CRE Crash Course: Text “FREE” to 844-447-1555

      continue reading

    1084 episodes

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