Cryptocurrency has come a long way since 2022—and so have the rules around using it to buy a home. If you’ve built wealth in Bitcoin, Ethereum, or other digital assets, you may be wondering whether that wealth can help you get into a house. The short answer: yes, with the right documentation—and in some cases, without even selling your crypto.
Using Cryptocurrency for a Down Payment
Gimme your Best Interest Rate with NO Closing Cost
The other day, a Redmond homeowner contacted me for a quote to refinance their home. They specifically requested scenarios for “lowest possible interest rate without paying any points or closing costs“. [Read more…]
How Much Cash Do I Need to Buy a Home besides the Down Payment?
One of the most common surprises for first-time buyers in Washington State is discovering that the down payment isn’t the only cash they need at closing. There are several other costs that require out-of-pocket funds — some before you even open escrow, and some that show up on your final Closing Disclosure.
Here’s a complete breakdown of what to budget for beyond the down payment. [Read more…]
How Much Can a Seller Pay Towards Buyer’s Closing Costs?
How Much Can a Seller Pay Toward a Buyer’s Closing Costs? (Updated for 2026)
One of the most common questions I’m asked by homebuyers — especially first-time buyers — is:
“Can the seller help pay my closing costs?”
The short answer is yes — but how much depends on the type of loan and the terms of the purchase contract.




