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 traceable wire to closing by the route you allow — can we proceed without the seasoning period?" Lenders who've closed crypto-funded deals typically answer with a documentation checklist and their conversion deadlines. If your lender says no with documentation on the table, ask whether that is the loan program's rule or the lender's own policy — some programs do require conversion and receipt of dollars before closing, and the answer tells you whether to change programs or lenders.
What the documentation looks like
Wallet ownership proof, holding history, a papered conversion to USD, and the shortest flow of funds your lender allows — one hop to escrow where the program permits it, or through your own regulated account first where it requires dollars verified in your name before closing. That's the file RealOpen produces by default: verification up front, conversion at closing through OTC execution, and a dollar wire by the route your lender approves. Deals have closed with a 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.
Financing? Verify your wallets and document your crypto for your lender — a Proof of Funds letter is optional on a financed offer; your lender's preapproval backs it. Full guide: My lender says I have to sell my crypto first — do I?.