Dual-Collateral LenderMARKET FIND
Newrez — Crypto-Qualified Smart Series Mortgages
Newrez recognizes eligible cryptocurrency for asset verification, reserves, and income estimation on selected mortgages. The program supports purchases and refinances without requiring the qualifying crypto to be liquidated.
Newrez, a national US mortgage lender and servicer, began recognizing eligible crypto assets in selected Smart Series mortgage products in 2026. Qualified borrowers can document supported holdings to help verify assets, establish reserves, or estimate qualifying income for a home purchase or refinance. Newrez's current guidance covers primary residences and investment properties and explains that accepted crypto must be held with an approved exchange or custodian and be traceable under anti-money-laundering and source-of-funds controls. A percentage of the verified value is counted after program haircuts. The company distinguishes this treatment from a collateral-based crypto mortgage: the digital assets generally are not pledged to Newrez, and US-dollar funds are still required at closing when crypto is used for the down payment, costs, or other settlement amounts. The property remains the mortgage collateral. This listing therefore represents an adjacent dual-asset underwriting model rather than a two-lien BTC structure. Exact eligible assets, loan products, leverage, documentation, and state availability are governed by current Smart Series guidelines.