Non-QM
Crypto-Backed Mortgage
Unlock your real estate dreams with CMRE's innovative Crypto-Backed Mortgage. Leverage your cryptocurrency holdings to purchase the property you've always wanted, without selling your digital assets. With rates starting at 7.5%, our program offers a flexible and modern approach to homeownership.
Program Benefits
Utilize your cryptocurrency holdings as collateral.
Keep your crypto assets and benefit from potential appreciation.
Competitive rates starting at 7.5%.
Streamlined application process for crypto investors.
Avoid capital gains taxes associated with selling crypto to fund your down payment.
Flexible loan options to meet your individual needs.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $3M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
Program Requirements
Income Documentation
- •Verifiable income documentation required.
- •Alternative income verification methods accepted for self-employed borrowers.
- •Sufficient income to cover mortgage payments, property taxes, and insurance.
Asset Verification
- •Cryptocurrency holdings will be evaluated based on market value and liquidity.
- •Additional asset documentation may be required.
- •Proof of ownership and secure storage of cryptocurrency.
Insurance & Title
- •Hazard insurance required to cover the replacement cost of the property.
- •Flood insurance may be required depending on the property's location.
- •Title insurance required to protect against title defects.
Property Requirements
- •Minimum FICO score of 660 required.
- •Credit history will be reviewed for past delinquencies and bankruptcies.
- •Good credit standing demonstrates financial responsibility.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
We currently accept Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC). Other cryptocurrencies may be considered on a case-by-case basis.
Interest rates start at 7.5% but may vary depending on the borrower's credit score, loan amount, and other factors.
We use a reputable third-party valuation service to determine the current market value of your cryptocurrency holdings. The valuation is based on real-time market data and liquidity.
If the value of your cryptocurrency decreases significantly, you may be required to provide additional collateral or make a partial repayment of the loan to maintain the required loan-to-value (LTV) ratio.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
