Do crypto funds need to be seasoned for a mortgage?

No — sourced crypto funds don't require a seasoning period. Seasoning (typically 60 days, sometimes 90) applies to funds whose origin can't be documented. Crypto that comes with proof of ownership, a papered conversion to USD, and a traceable path to escrow meets the underlying requirement — sourcing — directly.

When seasoning DOES apply to crypto money

Honesty department: there are cases where you'll end up seasoning whether you like it or not.

  • You already cashed out, informally. If you sold on an exchange months ago, moved the money through a couple of personal accounts, and didn't keep records — reconstructing that trail may be harder than waiting out two statement cycles.

  • Your documentation has gaps. Funds that touched a wallet you can't prove you control, or passed through a venue that won't produce records, can break the chain. A broken chain gets treated like an unexplained deposit.

  • Your lender won't take documentation, period. Some won't, regardless of quality. The answer there is a different lender, not a different rule.

The pattern in all three: seasoning is what happens when the paper trail fails. Keep the trail intact and you keep your timeline.

How to keep the trail intact

Don't convert early and informally. Verify ownership first, convert once, wire once. RealOpen's flow does exactly this — verification up front, conversion at closing, direct wire to escrow — which is why the source-of-funds file it produces is cleaner than most all-cash buyers can manage. Details: how to document crypto as a source of funds. Concept-level: sourcing vs. seasoning.

Frequently asked questions