Summary

Lava.xyz is partnering with Roam, the top assumable mortgage marketplace, to make homeownership more accessible and affordable for Bitcoiners. Through Roam, buyers can take over existing low-rate mortgages—some as low as 2%—instead of opening new, higher-rate loans. Lava enables you to borrow against your Bitcoin holdings to fund your down payment, preserving your upside and avoiding taxable events, while offering the lowest fixed rates on Bitcoin-backed loans. This partnership means Bitcoiners can blend a low-rate Roam mortgage with a Lava loan for a much cheaper path to homeownership than traditional financing. If you want first access, reach out to concierge@lava.xyz and mention your interest in Roam.

How does the Lava x Roam partnership help Bitcoiners buy homes? * By letting you borrow against your Bitcoin for a down payment while assuming a seller’s low-rate mortgage via Roam, you can secure home financing at a significantly lower blended rate than today’s market rates (Source).
What is an assumable mortgage, and why does it matter? * An assumable mortgage lets buyers take over a seller’s existing home loan—often at much lower rates than current new mortgages—drastically reducing monthly payments (Roam).
Do I have to sell my Bitcoin to buy a house with Lava? * No—you can borrow against your Bitcoin, unlocking liquidity without selling, so you keep your upside and avoid triggering taxable events (Lava.xyz).
How do I get started with Lava and Roam? * Email concierge@lava.xyz and mention your interest in Roam; Lava’s client services and Roam’s housing experts will guide you through the process.
Who is behind this announcement? * The announcement is authored by Shehzan Maredia, CEO of Lava.xyz, a Bitcoin-native lending platform focused on user empowerment and financial freedom.

“With Lava, you can now borrow against your bitcoin instead of selling it to fund your down payment. This allows you to unlock liquidity on your bitcoin savings while preserving your upside exposure and avoiding taxable events.” — Shehzan Maredia (Lava Blog)

Ready to make homeownership a reality without selling your stack? Sign up for Lava or email concierge@lava.xyz for early access to the Roam partnership.

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Aug 13, 2025

Making Homeownership More Affordable For Bitcoiners

Announcing our partnership with Roam.

Shehzan Maredia

Today we’re excited to announce our partnership with Roam, the leading assumable mortgage marketplace. With this partnership, we’re making homeownership more accessible, more flexible, and more affordable for bitcoiners.

On Roam, home buyers can take over an existing mortgage from the seller instead of opening a new mortgage at current market rates. This means you can access far lower mortgage rates and drastically reduce your monthly payments. Currently, mortgages on Roam are available as low as 2%.

With Lava, you can now borrow against your bitcoin instead of selling it to fund your down payment. This allows you to unlock liquidity on your bitcoin savings while preserving your upside exposure and avoiding taxable events. Lava offers the lowest fixed interest rates on bitcoin-backed loans, so your blended rate with a Roam mortgage can be significantly cheaper than a traditional mortgage today.

We’re excited to start rolling out this product. If you’re interested in getting first access, email us at concierge@lava.xyz and mention your interest in Roam. Our client services team and Roam’s team of housing experts will work with you directly to make the process seamless.