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How to Buy a House with Crypto: A Complete Guide

How to Buy a House with Crypto: A Complete Guide

Introduction

Buying a house with cryptocurrency was once a crazy idea, but today, it’s becoming a reality for many crypto holders. With Bitcoin and other digital currencies increasing in value and becoming mainstream assets, more people are exploring ways to turn their crypto investments into brick-and-mortar homes. But how exactly does this process work? This article will walk you through everything you need to know about buying property with cryptocurrency.

The Reality of Cryptocurrency in Real Estate

While cryptocurrency was originally confined to internet forums and digital marketplaces, they’ve started to pop up in real estate transactions across the world. However, this still represents a tiny fraction of total real estate transactions.

Ways to Buy a House with Cryptocurrency

Direct Crypto-to-Seller Transfers

The purest form of crypto real estate transaction involves transferring cryptocurrency directly from your digital wallet to the seller's wallet. While this method sounds simple, it requires:

  • Finding a seller willing to accept cryptocurrency

  • Working with crypto-savvy real estate agents and lawyers

  • Navigating escrow through accredited banks

  • Coordinating with title companies familiar with crypto transactions

This method works best when both parties are comfortable with cryptocurrency and have experience in digital asset transactions. The biggest advantage? Lightning-fast closings compared to traditional sales.

Converting Cryptocurrency to Cash

Perhaps the most straightforward approach involves converting your cryptocurrency to traditional fiat currency before purchase. Here's how it typically works:

  1. Sell your cryptocurrency through a reputable exchange

  2. Transfer the funds to your bank account

  3. Use the cash for your home purchase

Remember: Banks typically require the money to season in your account for at least two months before considering it for a home purchase. Additionally, this method triggers capital gains taxes on your crypto profits, so consult with a tax professional before proceeding.

Crypto-Backed Loans

A financially savvy approach to buying real estate with cryptocurrency involves using your crypto assets as collateral for a loan. This method has gained significant traction among crypto investors who want to maintain their market position while accessing the value of their holdings.

Companies like Arch are revolutionizing this space by offering flexible crypto-backed loans that make real estate purchases straightforward and efficient. Here's why this approach often makes the most sense:

  • Keep your crypto investment intact while accessing its value

  • Avoid triggering capital gains taxes that come with selling

  • Maintain potential upside from your crypto holdings

  • Access competitive interest rates from modern lending platforms

  • Get funds quickly without lengthy traditional mortgage processes

The process is straightforward: you deposit your cryptocurrency as collateral and receive a loan in traditional currency, which you can then use for your home purchase. This approach is particularly appealing for crypto investors who believe in the long-term value of their digital assets but need liquidity for real estate investments.

Unlike traditional mortgages that can take weeks or months to process, crypto-backed loans often provide funding within days. Plus, as your crypto collateral potentially appreciates in value, you maintain full exposure to those gains while using the borrowed funds to invest in real estate.

Learn more about crypto-backed mortgages.

Benefits of Buying a House with Cryptocurrency

Speed and Efficiency

Crypto transactions can speed up the home-buying process. Traditional home purchases often take 30-45 days to close. With cryptocurrency, especially in direct transfers, closings can happen in days.

Investment Diversification

Converting cryptocurrency into real estate helps diversify your investment portfolio. While crypto markets can be highly volatile, real estate typically offers more stable, long-term value appreciation.

Market Opportunities

Some sellers prefer cryptocurrency payments and might offer better deals to crypto buyers. This preference could give you an edge in competitive markets or help you negotiate a better price.

Challenges and Important Considerations

Market Volatility

Cryptocurrency's value can fluctuate dramatically during the purchase process. A 10% swing in crypto value could mean the difference of tens of thousands of dollars in your home-buying budget.

Tax Implications

The IRS considers cryptocurrency property, not currency. This classification means:

  • Selling crypto triggers capital gains tax

  • Tax rates vary based on how long you've held the cryptocurrency

  • Professional tax guidance is essential for large transactions

Finding Willing Partners

Despite growing acceptance, many real estate professionals and sellers remain hesitant about cryptocurrency transactions. You'll need to:

  • Find crypto-friendly real estate agents

  • Work with experienced crypto lawyers

  • Identify sellers comfortable with digital currency

  • Partner with title companies familiar with crypto deals

Conclusion

Buying a house with cryptocurrency is increasingly feasible but requires planning and professional guidance. Whether you choose to convert to cash, use crypto as collateral, or attempt a direct crypto transfer, success depends on understanding the process and working with experienced professionals.

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank. 


Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.


Loan Availability. Loan availability may vary based on jurisdiction. Loans are current not available to U.S. residents of AL, CA, DE, HI, MN, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.


Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding. 


Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence. 


Supported Assets. For the latest list of supported assets, refer to our Help Center.


No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.


No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.


State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer. In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch.

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012


For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website. 


For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 855-272-4670 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

© 2025 All Rights Reserved

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank. 


Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.


Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of AL, CA, DE, HI, MN, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.


Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding. 


Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence. 


Supported Assets. For the latest list of supported assets, refer to our Help Center.


No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.


No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.


State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer. In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch.

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012


For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website. 


For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 855-272-4670 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

© 2025 All Rights Reserved

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank. 


Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.


Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of AL, CA, DE, HI, MN, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.


Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding. 


Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence. 


Supported Assets. For the latest list of supported assets, refer to our Help Center.


No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.


No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.


State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer. In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch.

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012


For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website. 


For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 855-272-4670 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

© 2025 All Rights Reserved