Fannie Mae To Accept Crypto, Bitcoin As Collateral For Mortgages In Coinbase Tie-Up

bitcoinistPublished on 2026-03-26Last updated on 2026-03-26

Abstract

Fannie Mae, in partnership with Better Home & Finance and Coinbase, will now accept cryptocurrency as collateral for mortgage down payments. This new product allows prospective homebuyers to pledge digital assets like Bitcoin or USDC held in a Coinbase account to secure a loan for the down payment, without needing to sell their crypto. The mortgage itself remains a conventional Fannie Mae-backed loan, with terms and interest rates unaffected by Bitcoin's price volatility. The initiative aims to expand homeownership access for the estimated 52 million Americans who hold digital assets.

Fannie Mae will soon allow mortgages backed by cryptocurrency holdings, a significant shift that reflects growing regulatory clarity in the United States and opens a path for digital-asset holders to use nontraditional wealth as part of the homebuying process.

Crypto Down Payment Options For Fannie Mortgages

On Thursday, Better Home & Finance and Coinbase announced a joint mortgage product that lets prospective buyers pledge crypto as collateral for the down payment on a Fannie Mae‐backed loan rather than selling their digital assets to generate cash.

The offering is structured so the pledged holdings — such as Bitcoin (BTC) or Circle’s USDC stablecoin held in a Coinbase account — secure a separate loan to fund the down payment; the home mortgage itself remains a conventional Fannie‐backed loan.

Better Home & Finance’s founder and CEO, Vishal Garg, framed the partnership as a way to broaden access to homeownership:

Better was founded to make homeownership more accessible for all Americans, and this partnership with Coinbase introduces a new pathway to realizing the American Dream for the 52 million Americans who own digital assets.

Coinbase, in its announcement, described the product as the first time an “AI‐native” mortgage lender has combined secured digital‐asset loans with the platform of a major crypto exchange to bridge digital wealth and traditional real‐estate finance.

Unaffected By Bitcoin Price Swings

Coinbase representatives emphasized that, once active, the mortgage terms and interest rates will function like a standard home loan and will not be affected by fluctuations in Bitcoin’s price.

Coinbase also noted its ongoing engagement with policymakers. “We maintain an active, bipartisan dialogue with Washington,” said a company representative, adding that the product aims to expand homeownership opportunities for Americans whose wealth is tied up in digital assets rather than traditional bank accounts.

The daily chart shows COIN’s valuation trending downwards. Source: COIN on TradingView.com

At the time of writing, the crypto exchange’s stock, which trades under the symbol COIN, is worth $176 a share. This extends the downturn, which has seen the price decline from $200, the opening price at the start of this week’s trade.

Featured image from OpenArt, chart from TradingView.com

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Related Questions

QWhat is the main announcement made by Fannie Mae in partnership with Coinbase and Better Home & Finance?

AFannie Mae will allow mortgages backed by cryptocurrency holdings, enabling prospective buyers to pledge crypto as collateral for down payments on Fannie Mae-backed loans.

QHow does the new mortgage product work for crypto holders?

AThe product allows crypto holders to pledge assets like Bitcoin or USDC held in a Coinbase account as collateral for a separate loan to fund the down payment, while the home mortgage itself is a conventional Fannie Mae-backed loan.

QWhat did Better Home & Finance's founder say about the partnership's goal?

AVishal Garg stated that the partnership aims to make homeownership more accessible for all Americans, particularly for the 52 million Americans who own digital assets, by introducing a new pathway to realize the American Dream.

QWill the mortgage terms and interest rates be affected by Bitcoin price fluctuations?

ANo, once active, the mortgage terms and interest rates will function like a standard home loan and will not be affected by fluctuations in Bitcoin's price.

QWhat is the current trend of Coinbase's stock (COIN) as mentioned in the article?

AAt the time of writing, Coinbase's stock is worth $176 a share, extending a downturn from its opening price of $200 at the start of the week's trade.

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