Julian Hebron

There are 3 types of crypto mortgages: borrowing against crypto to buy a home, borrowing against crypto for down payment, and using crypto to qualify for mortgage income or reserve requirements

Mortgage rates are up .625% since Iran war began February 28. Even with this rise, rates are still down .625% since early-2025. And YoY home prices are flat, helping buyer affordability.

Home affordability is the best in 4 years, with median earners spending 27.4% of their incomes on median priced homes. This is down from 35.3% a year ago.

With mortgage rates below 6% and median home prices $397k to $414k, you can buy a home with 5% down if you make $110k to $114k.