When your lender says to sell your crypto first
Usually not the way they mean it.
Usually not the way they mean it. What your lender actually needs is sourced funds — proof the money is yours and its path is traceable. "Sell it now and let it season for 60–90 days" is the blunt-instrument version of that requirement, used when a borrower can't produce documentation. You have two better options: buy with a fully documented crypto-funded close, or — if you're buying with cash — skip the lender's rules entirely.
What to say back
Ask one question: "If I provide full source-of-funds documentation for the crypto — ownership verification, conversion records, and a direct wire to escrow — can we proceed without the seasoning period?" Lenders who've closed crypto-funded deals will say yes and hand you a documentation checklist. If your lender says no with documentation on the table, that's a lender who hasn't done this before — not a rule.
What the documentation looks like
Wallet ownership proof, holding history, a papered conversion to USD, and a one-hop wire to escrow. That's the file RealOpen produces by default: verification up front, conversion at closing through OTC execution, funds wired straight to escrow. RealOpen deals have closed with the lender requiring nothing more than the down payment delivered to escrow alongside the buyer's RealScore™ report and Transaction Record — about two days before closing, no seasoning at all. Cash purchases skip the entire conversation — no underwriter, no seasoning rule.