Fannie Mae is getting ready to approve mortgages for people who hold cryptocurrency. This change shows that regulations around digital currencies are becoming clearer in the U.S., and it will allow people to use their crypto holdings as part of qualifying for a home loan.
Crypto Down Payment Options For Fannie Mortgages
As a crypto investor, I was really interested to hear about the new partnership between Better Home & Finance and Coinbase. They’re launching a mortgage product where you can actually use your crypto as collateral for a down payment – instead of having to sell it to come up with the cash. It’s backed by Fannie Mae, which is a big deal, and could open up homeownership to a lot more people in the crypto space.
This service lets you use crypto holdings – like Bitcoin or USDC stablecoin held on Coinbase – as collateral for a loan that covers your down payment. You then get a traditional mortgage backed by Fannie Mae to cover the rest of the home’s price.
Vishal Garg, the founder and CEO of Better Home & Finance, described the new partnership as a way to help more people achieve the dream of owning a home.
Better’s mission is to help more Americans achieve the dream of homeownership, and our partnership with Coinbase now offers a new way for the 52 million Americans who have digital assets to do so.
Coinbase has launched a new product that uniquely combines digital asset loans with a major cryptocurrency exchange, effectively connecting the worlds of crypto and traditional mortgages. This is the first time an AI-powered mortgage lender has done this.
Unaffected By Bitcoin Price Swings
Coinbase explained that once the mortgages are available, the loan terms and interest rates will be typical for a home loan and won’t change based on the price of Bitcoin.
Coinbase is continuing to work with lawmakers in Washington. A company spokesperson explained that this new product is designed to help more Americans buy homes by allowing them to use their cryptocurrency holdings – instead of relying on traditional bank accounts – as part of the process. They emphasize they are working with both Democrats and Republicans.
As of today, shares of the cryptocurrency exchange, trading as COIN, are valued at $176 each. This continues a recent trend of falling prices, dropping from $200 at the beginning of the week.
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2026-03-26 18:11