Mortgage Products Built for Crypto Investors
Borrow against your crypto to purchase a home
Recap Home Loans is a full-service mortgage lender built for cryptocurrency investors. The company accepts Bitcoin or Ether as additional collateral for a 100% financing loan product to purchase a home.
By posting Bitcoin or Ether as collateral (in addition to the real estate), borrowers can receive a loan with $0 down. We accomplish this by providing the borrower two blended loans: a fully-amortizing first mortgage for 80% of the home value secured by the real estate, and an interest-only crypto-backed loan for 20% of the home value secured and over collateralized by Bitcoin or Ether.
Recap Home Loans gives cryptocurrency investors a way to purchase real estate without ever selling their crypto. Learn more about the Recap Home Loan process by visiting our How it Works page.
Loan Applications
Applying for a Recap Home Loan couldn’t be easier. Once a borrower has an accepted offer on a home, all they need to do is send in their online loan application. They will need to provide proof of income and assets, including proof of their Bitcoin or Ether holdings, as well as submit to a credit check. When the application is complete, Recap Home Loans will be there every step of the way to the closing date. We will conduct all diligence and underwriting within 30 days of loan application and will make sure that each borrower and their real estate agent are in the loop throughout the entire loan process. Visit the Apply for a Loan page to access the borrower portal. We are currently accepting loan applications for properties in Texas.
Frequently Asked Questions
Please visit our FAQ page to find answers to some of the most asked questions. If you can’t find your answers there, please Contact Us.