Buy with confidence
Together with our banking partners, Pacaso offers competitive-rate financing for up to 70% of the home’s purchase price. Buyers can also pay with cash or crypto.
Pick what works for you
Cash or crypto
Use cash, or pay with crypto through BitPay, and enjoy mortgage-free Pacaso ownership.
Tap a home equity line of credit (HELOC) or a personal line of credit.
We've negotiated competitive rates and plans with our banking partners. Plus, we facilitate the process, so it’s fast and simple.
Peace of mind
We've got you covered
When buyers choose to finance their purchase, Pacaso serves as the corporate guarantor of the loan. This means you’re protected if another co-owner defaults. It's one of the many benefits of LLC co-ownership.
PAY WITH CRYPTO
Ahead of the curve
To support buyers with diverse financial portfolios, we offer payment with Bitcoin and other cryptocurrencies through BitPay, a trusted payment processor.
We're leading the industry with payment options that meet the needs of more customers across the globe.
Common financing questions
What down payment is required to purchase a share of a second home?
Buyers can finance up to 70% of their purchase. A minimum down payment of 30% is required. We offer competitive rates for all financing levels, with preferred rates for buyers paying 30-50% down.
How quickly can I get approved?
The approval process is straightforward and fast. We’ll request a copy of your driver’s license, pay stubs, a tax return, a current bank statement and a credit report. Once all documents are provided, approval takes just a few days.
Is the loan in my name?
The loan is between our banking partner and the LLC. Borrowers access financing directly from the LLC.
Is there a financing fee?
For buyers who choose to finance up to 70% of their purchase through Pacaso’s banking partners, a small fee will be assessed at closing. Our Crew will provide detailed information about financing options and costs.
I want to purchase my Pacaso with crypto. How does the payment process work?
When you’re ready to pay, Pacaso will send a BitPay invoice by email. BitPay, our cryptocurrency payment facilitator, processes the transaction. Using BitPay, you’ll select your wallet and preferred cryptocurrency. Next, you fill in the payment details in your wallet, either manually or by scanning a QR code. You’ll then validate the transaction from your wallet. Upon validating the payment, you will immediately see the payment reflected on the invoice.
Can I use crypto for a down payment and finance the rest of my home purchase?
Yes, eligible buyers can finance up to 70% of their purchase and pay their down payment in crypto. Monthly financing installments may only be paid in US dollars.
Are there additional fees when paying with crypto?
Pacaso collects a 1% transaction fee which we pass through to BitPay for their services. Pacaso does not charge or retain any additional fees.