Qualify with Bitcoin
You don't need to keep your Bitcoin on an exchange to qualify for a traditional mortgage. RealOpen's lender-approved RealScore™ lets you use BTC held in cold storage, multisig, or any wallet you control. Your BTC will count as a reserve asset, and you can make your down payment with a Bitcoin transfer.
When it's time to fund, you send crypto — we convert it to fiat and wire to escrow on your behalf. For sellers, agents, and escrow: it's a typical financed purchase transaction.
Satisfy the underwriter with RealScore™. Keep full custody the entire time.
RealScore™ Proves BTC Reserves
Fannie Mae says lenders need your crypto on a centralized exchange — with an account statement to prove it. A wallet screenshot won't suffice.
RealScore™ cracks the CEX code, so you don't have to send your coins — or your keys — to centralized crypto purgatory.
- We verify your BTC, ETH, or stablecoin holdings—even from cold wallets
- You get a lender-ready Reserve Letter
- No need to move your assets or give up custody
RealScore™ documents what you own, without requiring you to give up control.
Why Trust a CEX?
Your BTC is likely in self-custody storage for a reason. Moving it to a public, centralized exchange exposes your wealth to legitimate risks:
- Paused Withdrawals: the classic pre-rug warning
- Commingled Custody: your BTC is now part of their balance sheet
- Rehypothecation: your assets, someone else's collateral
- Disappearing Act: FTX, Celsius, BlockFi…
🔥 RealScore verifies your crypto directly from your wallet—cold, hot, or multisig—so you can stay in control while proving reserves.
The BTC-backed Mortgage Process
Just like any financed real estate deal—with a little Web3 swagger:
- Start your mortgage application (even if you “don't believe in debt”)
- Onboard with RealOpen and verify your crypto holdings
- Get your RealScore™ Reserve Letter and hand it to your lender like a boss
- Find a home, sign a PDF mountain, and enter escrow
- Send us the contract and escrow contact info
- Fund by sending BTC from any wallet—cold, hot, multisig, or even a CEX (if you must)
- We convert your BTC to fiat via a prime OTC desk
- Fiat gets wired directly to escrow from RealOpen
- Closing flows like any standard mortgage transaction
No exchange custody. No seller crypto exposure. Just real estate with a crypto core.
Whether you're holding BTC, ETH, or stablecoins — RealOpen turns your crypto into real estate on your terms. Create your account, verify your identity, and become a verified buyer in minutes.
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