In today’s changing financial landscape, traditional boundaries are being reevaluated—and at Torrey Pines Mortgage, we’re proud to be at the forefront of innovation. If you’ve built wealth in digital assets like Bitcoin or Ethereum and wondered how to translate that into homeownership, we have good news: we now accept crypto assets as part of mortgage approval considerations.

This isn’t about speculative gimmicks or gimmicky headlines. It’s about real, practical solutions for buyers who live in both the digital and real worlds. Whether you’re a long-time crypto investor, a Web3 entrepreneur, or simply someone who diversified early, this update could make your path to a home loan significantly smoother.

 Why It Matters

For many homebuyers, particularly younger generations and tech professionals, crypto isn’t just an investment—it’s a store of value. But historically, lenders have struggled to evaluate this new asset class due to:

• Volatility concerns
• Lack of traditional documentation
• Uncertainty around valuation

That meant crypto gains often couldn’t help you qualify for a mortgage—despite being part of your real net worth.

How Torrey Pines Mortgage Evaluates Crypto for Approvals

Eligible crypto assets need to be held with U.S. regulated crypto exchanges, and retail FinTech apps, SEC/FINRA-regulated brokerages, or nationally chartered banks under OCC oversight.

We work with secure third-party services to verify your crypto holdings. You’ll need:

-Wallet statements
-Exchange histories
-Proof of ownership

Conversion to Stable Value

A market-adjusted valuation will apply to qualifying crypto assets, ensuring we prudently integrate eligible crypto assets into our mortgage decisions.

Accepted Crypto Types

While offerings evolve with market demand, we currently accept major assets including:

-Bitcoin (BTC)
-Ethereum (ETH)
-SEC-approved spot ETFs backed by BTC or ETH

-USD-backed stablecoins.

Talk to a Crypto-Smart Mortgage Specialist

If you’re considering buying or refinancing and want to understand how your digital assets may fit into the process:

👉 Schedule a confidential consultation today
👉 Get clarity—no pressure, no obligation

Disclaimer:

Acceptance of cryptocurrency assets is subject to loan program eligibility, underwriting guidelines, verification requirements, and regulatory compliance. Not all crypto assets or platforms qualify. Crypto asset values are subject to market volatility and may be discounted or excluded for qualification purposes. This is not a commitment to lend. All loans subject to credit approval.