Keep your BTC. Unlock USD for your down payment. Close on a home with a 2% rate. 

We are launching a modern way to buy a home. Through our new partnership with Lava, eligible buyers can use BTC as collateral to access USD for their down payment and closing costs, while Roam helps secure a low-rate assumable first mortgage.

How it works

1. You hold Bitcoin.
2. Roam helps you find a home with a mortgage rate as low as 2%.
3. Lava offers a BTC-collateralized loan, typically advancing 10% to 50% of your BTC holdings’ USD value, subject to their underwriting.
4. Those USD funds can cover the earnest money, down payment, and closing costs for your home purchase.
5. Closing happens in USD. The seller is paid in USD. You keep your BTC.

Why this matters

Assumable mortgages are mortgages where you can purchase the home with the seller’s low rate included. This can dramatically reduce monthly mortgage payments when the existing rate is far below today’s market rate. Many BTC holders are “asset rich, cash light.” This approach lets you keep your Bitcoin while accessing the USD liquidity to close.

What to consider

Borrowing against a volatile asset is not for everyone. We recommend running scenarios where BTC drops 30–50% to ensure you can still meet margin requirements. Confirm that the combined cost of your assumable first loan and BTC-backed loan fits both your budget and long-term plans.

Get started

1. Find a home you love on withroam.com (available for all properties)
2. Get pre-qualified with Roam.
3. Complete Lava’s application and receive indicative terms.
4. Work with your dedicated Roam advisor to coordinate the entire transaction and close stress-free.

Have questions? Email us at support@withroam.com