"My lender says I have to sell my crypto before buying a house." Do you?

Your loan officer isn't wrong to be cautious; they're pattern-matching. The crypto deposits they've seen were exchange cash-outs landing in checking accounts with zero paperwork — large unexplained deposits, which underwriting flags. The fix they know is time: two bank statement cycles and nobody has to explain anything. It closes loans. It also wrecks your timeline, forces your taxable event early, and leaves you sitting in cash.

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 not a rule — that's a lender who hasn't done this before. There are plenty who have: RealOpen deals have closed with the lender requiring nothing more than the down payment delivered to escrow alongside the buyer's RealScore™ report and our Transaction Record — about two days before closing, no seasoning period at all.

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 (that's your Proof of Funds letter, ~15 minutes), conversion at closing through OTC execution, funds wired straight to escrow. Full breakdown: how to document crypto as a source of funds.

Then this entire conversation is someone else's problem. Cash purchases have no underwriter and no seasoning rule. Convert at close, wire to escrow, keep your position until closing day. That's the standard RealOpen flow.

• Crypto down payment seasoning, explained — and how to skip the 60–90 day trap
• Do crypto funds need to be seasoned for a mortgage?
• When do you actually have to sell your crypto before buying a house?