Lock better mortgage terms.
Keep your crypto.
Take out a bitcoin loan to lower your DTI or increase your down payment, and lock in the best rate with your preferred lender.
See how crypto can improve your mortgage outcome
Use your Bitcoin to upgrade your mortgage profile in three simple steps:
1. Leverage your BTC without selling
Borrow up to 50% of its value by posting 2x collateral.
2. Apply funds where it counts
Lower your DTI or boost your down payment for stronger loan terms.
3. Qualify with your preferred lender
Submit a more competitive mortgage application and unlock better rates.
Real Results
John held $200,000 in Bitcoin and a 47% DTI. With a $75,000 crypto loan from Milo, he paid down debt and dropped his DTI to 36%, saving $412 per month on his mortgage with a better rate.
Want to know how a crypto loan could help your mortgage application?
Schedule a call
Improve your mortgage profile without losing your crypto
If your income or credit profile needs work to secure top-tier mortgage terms, you don't need to sell your Bitcoin. With Milo, you can unlock its value through a crypto loan and strengthen your mortgage application.
- Lower your debt-to-income ratio by consolidating debt
- Increase your down payment to reduce loan-to-value and get better rates
- Avoid capital gains taxes and keep future upside
- Institutional-grade custody with Coinbase and BitGo
- Zero prepayment penalties—repay whenever you're ready
Why crypto holders choose Milo
| Selling BTC | Milo Crypto Loan | Traditional Loan Only | |
|---|---|---|---|
| Keep long-term crypto upside | |||
| No capital gains tax | |||
| Helps qualify for better rates | |||
| Increase down payment flexibility | |||
| Secure crypto custody | N/A | Coinbase & BitGo | |
| No prepayment penalties | N/A |
Designed for crypto investors applying for traditional mortgages
This is for you if:
- You hold Bitcoin and want to keep it
- You're applying for a traditional mortgage
- You care about getting the best rate available
- You're exploring ways to optimize without triggering taxes
Qualify better. Keep your Bitcoin.
No credit checks. No impact on your mortgage preapproval. Just smarter leverage, backed by your Bitcoin.
Get a crypto loan