Home Loans: Bitcoin Crypto Loans for Real Estate

Home loans are the catalyst use-case for BlockFi and we are proud to be helping our clients looking to diversify their investments, upgrade their property, or purchase their first home. For crypto asset holders, leveraging your Bitcoin (BTC)Ether (ETH), or Litecoin (LTC) is a great way to put money towards a home without having to sell.

Back in 2017, BlockFi CEO Zac Prince was applying for a mortgage from a bank in Texas. As part of his application, he reported earnings from his cryptocurrency trading. Like many other Americans, Zac soon found out that banks can and will deny you a loan simply because you own crypto assets like Bitcoin or Ether.

With BlockFi, clients leverage their crypto as collateral towards a USD loan and receive their assets back once the loan is paid off. It’s that simple. Click here to learn more about how BlockFi loans work.

Buying a Home with Crypto

Buying a home is overwhelming, especially when you’re doing it for the first time. There are so many things to consider; what term length is right for you? What monthly payments are within your budget? Do I want an interest-only or amortized loan? Then there’s evaluating different interest, APR, and LTV rates.

Whether you’re looking to pay for an entire home, or just the down-payment, for a crypto real estate investment, this is a great option for people who need to access the value of their digital assets but don’t want to miss out on the potential future increase in value.

Funding a Home Renovation with Blockchain

There comes a time in every homeowner’s life where they want to upgrade their home. Projects like these can be as simple as remodeling a bathroom to building a new extension to your home. What is true regardless of the intention, increasing the value of your property can get expensive. Borrowing to fund these projects is a great way to space out the cost over time. This is especially true for cryptocurrency investors.

BlockFi clients have the benefits that come from interest-only payments. If your crypto loan is at a 8.5% interest rate, that means your monthly payments are just 0.7% of your loan amount. This makes it as comfortable as possible to pay off your loan. Click here to learn more about interest rates and APR.

Additionally, BlockFi doesn’t charge early prepayment fees, meaning that you can pay off your loan at any time without being penalized. Cool, right? Apply today to see how BlockFi can help fund your next home improvement project.

Diversifying Your Investments

Many digital assets holders have a majority of their investment portfolio in cryptocurrencies. However, diversifying your investments is the best way to make sure your portfolio is safe from market fluctuations. A popular way to do this is by investing in real estate.

Some people will purchase a vacation home, purchase a second home to rent out as an additional income source, or even purchase a commercial property. For people who sit on a large amount of crypto, leveraging your Bitcoin or Ether can be a great way to simultaneously diversify your investments with real estate, while taking advantage of the crypto’s value without having to sell. Click here to learn more on how to diversify your investments with crypto.

At BlockFi, we understand the frustration that comes with the home-buying process. Our team of lending professionals work closely with clients to make sure that they’re getting the best possible rates. The best part? It takes less than 2 minutes to apply.

If you have any questions about BlockFi or how our loans work, please contact us at support@blockfi.com. We love hearing from you.

BlockFi lets you use your Bitcoin, Ether, and Litecoin to do things like buy a home, pay down debt, or even fund your business without having to sell your crypto. Start your application now and get funded in as few as 90 minutes.

How a Bitcoin loan works

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Client Testimonials


As an investor with significant crypto holdings, BlockFi gave me a valuable tool to get capital, at a fair price, without liquidating my crypto holdings. Aside from offering the best price, their approach to secure storage and thoughtful loan to value ratios gave me confidence that they were the right partner to work with for my cryptocurrency needs.


As a long term crypto holder, it’s important to me to be able to leverage my existing capital without selling. Earning monthly interest all in one place has simplified how I use my cryptoassets.


BlockFi makes it fun to be a hodler again.


We have felt strongly that this market needs access to debt beyond fragmented, short term margin trading options in order to reduce volatility, facilitate scale and put the financial infrastructure for this ecosystem on par with other asset classes. We're happy to have BlockFi as part of the Consensys family and see tremendous growth opportunities for their platform.


BlockFi was my first choice when looking to use crypto as collateral for a fiat loan. BlockFi's friendly and professional staff helped make for a very smooth process from start to finish.


It feels great to have my crypto be recognized as a real asset, which can used as collateral. I'm going to be able to immediately pay off a credit card I've been carrying a balance on.


Learn more about earning crypto interest and crypto-backed loans with BlockFi

Apply in less than two minutes.

Fastest Bitcoin and Ether backed loans in the industry.

Disclaimer: Rates for BlockFi products are subject to change. Digital currency is not legal tender, is not backed by the government, and BIA accounts are riot subject to FDIC or SIPC protections. Security is our top priority. Please see our Vulnerability Disclosure Form and Bug Bounty Program.
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Disclaimer: Rates for BlockFi products are subject to change. Digital currency is not legal tender, is not backed by the government, and BIA accounts are not subject to FDIC or SIPC protections. Security is our top priority. Please see our Vulnerability Disclosure Form and Bug Bounty Program.
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