{"id":7357,"date":"2026-04-06T09:09:43","date_gmt":"2026-04-06T13:09:43","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=7357"},"modified":"2026-04-06T09:09:44","modified_gmt":"2026-04-06T13:09:44","slug":"coinbase-enters-the-mortgage-world-a-partner-in-its-loan-product-fannie-mae","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/coinbase-enters-the-mortgage-world-a-partner-in-its-loan-product-fannie-mae\/","title":{"rendered":"Coinbase Enters the Mortgage World. A Partner in Its Loan Product? Fannie Mae."},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"591\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/coinbase-enters-the-mortgage-world.webp\" alt=\"\" class=\"wp-image-7358\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/coinbase-enters-the-mortgage-world.webp 1400w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/coinbase-enters-the-mortgage-world-300x127.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/coinbase-enters-the-mortgage-world-1024x432.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/coinbase-enters-the-mortgage-world-768x324.webp 768w\" sizes=\"auto, (max-width: 1400px) 100vw, 1400px\" \/><\/figure>\n\n\n\n<p>The Better Home mortgage company and Coinbase have announced a new collaboration. They\u2019re coming out with a way to link cryptocurrency with down payments for conventional loans.<\/p>\n\n\n\n<p>Wait, don\u2019t rush off to find this online. This product isn\u2019t available yet. But it will be, quite soon. Better Home\u2019s website is already collecting contact information from prospective customers.<\/p>\n\n\n\n<p>Once it launches, borrowers will be able to use their Bitcoin or USDC (a dollar-pegged stablecoin issued by Circle) to back a separate loan for the down payment. The borrower need not actually move the crypto assets to offer them as collateral.<\/p>\n\n\n\n<p>The loans will have Fannie Mae\u2019s backing. The combination of Coinbase and Fannie Mae signals a landmark moment for crypto.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Fannie Mae\u2019s Crypto History So Far<\/h2>\n\n\n\n<p>Our regular readers may recall how, <a href=\"https:\/\/www.deeds.com\/articles\/bitcoin-for-mortgages-and-down-payments\/#:~:text=Fannie%20Mae%C2%A0loans%20are%20accessible%20today%20for%20borrowers%20who%20use%20their%20cryptocurrency%C2%A0in%20down%20payments.%20To%20be%20considered%20as%20an%20eligible%20asset%20for%20a%20conventional%20mortgage%20loan%20approval%2C%20the%20digital%20assets%20must%20first%20be%20converted%20into%20dollars.\">five years ago<\/a>, Fannie Mae was working with borrowers who wanted their cryptocurrency&nbsp;to count for down payments. To qualify for a conventional mortgage loan, crypto holders would have to withdraw those assets, and turn them into dollars.<\/p>\n\n\n\n<p>If they did sell to get dollars, they\u2019d have to pay taxes on any capital gains they\u2019d earned. And they\u2019d miss out on any gains that their crypto wallets might have accumulated if they hadn\u2019t sold. You get the picture. Many crypto holders would much rather use their crypto as collateral<em> without<\/em> having to sell it.&nbsp;<\/p>\n\n\n\n<p>The Federal Housing Finance Agency (FHFA) directs Fannie Mae, as well as the other conventional loan backer, Freddie Mac. Last June, the Agency instructed Fannie and Freddie to develop a policy for working with crypto holders who want conventional mortgages. The agency wanted applicants to be able to use their actual crypto\u2014without having to turn it into cash.<\/p>\n\n\n\n<p>That opened the door for the news we\u2019re writing about today. Crypto was becoming normalized. The lenders must adjust.<\/p>\n\n\n\n<p>All that said\u2026<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bitcoin Is Still Considered High-Risk<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"941\" height=\"529\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/bitcoin-is-still-considered-high-risk.webp\" alt=\"\" class=\"wp-image-7359\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/bitcoin-is-still-considered-high-risk.webp 941w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/bitcoin-is-still-considered-high-risk-300x169.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/04\/bitcoin-is-still-considered-high-risk-768x432.webp 768w\" sizes=\"auto, (max-width: 941px) 100vw, 941px\" \/><\/figure>\n\n\n\n<p>The value of a bitcoin has stayed within a 60-70K range for months on end. So, isn\u2019t it known as a reasonably sturdy asset by now? Well, a loan backer might still have questions about bitcoin. Maybe a few questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bitcoin once was worth a lot more. Remember October, when it touched $126K? What\u2019s stopping it from future droops?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is it more or less likely that bitcoin could lose much of its value in a sudden \u201cblack swan\u201d event?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bitcoin has been in use for less than two decades. Are we all sure of its staying power? Or could mortgage lenders\u2019 foray into crypto backfire spectacularly?<\/li>\n<\/ul>\n\n\n\n<p>There have also been questions about the tech industry\u2019s history of funding politicians, and whether that serves the customers best interests or not. But that\u2019s another conversation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Q &amp; A: How Will This New Loan Product Work?<\/h2>\n\n\n\n<p><strong>Q. What\u2019s the story behind this lender?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> &nbsp;Better Home &amp; Finance Holding Co. (\u201cBetter Home\u201d) is a ten-year-old company. It defines itself as the \u201cleading AI-native\u201d mortgage company. The company uses the Tinman\u00ae AI tools and an \u201cAI assistant\u201d feature called Betsy&#x2122;.<\/p>\n\n\n\n<p><strong>Q. What can the customer expect?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> This system lets applicants (who can live in any state) check out their rates in advance, get a pre-approval quickly, and lock in an interest rate. It\u2019s possible for the customer to get to closing in just three weeks, the company says.<\/p>\n\n\n\n<p><strong>Q. Who will be servicing the loans for these borrowers?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> Better Home will issue the loans, and act as the servicer for the borrowers\u2019 accounts.<\/p>\n\n\n\n<p><strong>Q. Who are the potential customers?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> Coinbase considers younger generations the key target market. These are the hopeful buyers in the Gen Z and Millennial generations.<\/p>\n\n\n\n<p><strong>Q. Are these only for people with standard employment situations?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> No. Many younger mortgage applicants are self-employed or otherwise don\u2019t have W2 forms to show the mortgage lender. While they might lack ready cash for a down payment, they might have significant value in their crypto accounts. Better Home will accept their loan applications.<\/p>\n\n\n\n<p><strong>Q. How will Fannie Mae treat these loans?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> According to Better Home, Fannie Mae will handle these loans as they handle other mortgage loans. Crypto-backed down payments conform to the same set of Fannie Mae guidelines. The interest rates will not be higher.<\/p>\n\n\n\n<p><strong>Q. If no crypto has to be liquidated, then where\u2019s the asset that secures the loan?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> The borrower pledges the value of the bitcoin or Circle coin through tokenization. With tokenization, an applicant won\u2019t need to make their entire crypto account available as collateral. Specific amounts of crypto can be staked (tokenized) in the transaction. Coinbase Prime, part of Coinbase, will have custody of the tokenized value throughout the loan term.<\/p>\n\n\n\n<p><strong>Q. What if the value of the bitcoin pledged by the mortgage borrower crashes?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> Any financial assets are risky. Most any store of value can lose its worth in certain startling events. What if bitcoin does? If the crypto market loses value, the Better Home mortgage stays in place. The terms don\u2019t change. There\u2019s no need to pledge any more collateral.<\/p>\n\n\n\n<p><strong>Q. Beyond market ups and downs, are there any known cybersecurity or safety concerns about crypto?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> Quantum computers apply quantum physics to computing. This involves applying mathematical techniques that computing never used before. This poses no immediate threat. Yet the rate of progress in quantum computing is taking researchers by surprise. So it\u2019s important to watch for future implications of quantum computing on the security of the cryptocurrency code known as the blockchain.<\/p>\n\n\n\n<p><strong>Q. What if the borrower becomes unable to make a payment or two?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> If the borrower falls behind by 60 days, the lender can liquidate the collateral. This is parallel to regular mortgages.<\/p>\n\n\n\n<p><strong>Q. Are there any incentives applicants will want to ask about?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> Coinbase One members who select these mortgages have access to rebates from Better Home, equal to 1% of the loans, to help cover closing costs.&nbsp;<\/p>\n\n\n\n<p><strong>Q. Is this a taxable event?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> No crypto is liquidated for these loans assuming they\u2019re faithfully repaid. Nevertheless, crypto pledges can have tax impacts. It\u2019s important for hopeful mortgage borrowers to speak with a tax pro who understands digital assets.<\/p>\n\n\n\n<p><strong>Q. Don\u2019t crypto-backed mortgages already exist?<\/strong><\/p>\n\n\n\n<p><strong>A.<\/strong> Yes, but Better Home is specifically working with the down payment financing. The primary mortgage goes through separate underwriting, with a conventional, Fannie Mae-backed loan.<\/p>\n\n\n\n<p>All things considered, the true milestone here is the integration of crypto into the structure of a government-backed entity, Fannie Mae, for the first time.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p>Isabelle Lee for <em>Bloomberg News<\/em>: <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2026-03-26\/crypto-enters-the-mortgage-market-via-fannie-mae-eligible-loans\" target=\"_blank\" rel=\"noreferrer noopener\">Crypto Enters the Mortgage Market Via FNMA-Eligible Loans<\/a> (Mar. 26, 2026).<\/p>\n\n\n\n<p>Lance Datskoluo for <em>DL News<\/em>, via <em>Yahoo Finance<\/em>: <a href=\"https:\/\/finance.yahoo.com\/markets\/crypto\/articles\/coinbase-fannie-mae-mortgage-initiative-093525983.html\" target=\"_blank\" rel=\"noreferrer noopener\">Coinbase \u2013 Fannie Mae Mortgage Initiative Links Cryptocurrency With Real Economy<\/a> (Mar. 31, 2026).<\/p>\n\n\n\n<p><em>Business Wire<\/em> via <em>Businesswire.com<\/em>: <a href=\"https:\/\/www.businesswire.com\/news\/home\/20260326569749\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">Better and Coinbase Launch the First Token-Backed, Conforming Mortgage<\/a> (announcement from Better Home &amp; Finance Holding Company dated Mar. 26, 2026). \u00a0<\/p>\n\n\n\n<p>Ryan Babbush and Hartmut Neven for the <em>Google Quantum AI Research Blog<\/em>: <a href=\"https:\/\/research.google\/blog\/safeguarding-cryptocurrency-by-disclosing-quantum-vulnerabilities-responsibly\/\" target=\"_blank\" rel=\"noreferrer noopener\">Safeguarding Cryptocurrency by Disclosing Quantum Vulnerabilities Responsibly<\/a> (Mar. 31, 2026).<\/p>\n\n\n\n<p><em>Deeds.com<\/em>: <a href=\"https:\/\/www.deeds.com\/articles\/fannie-and-freddie-prepare-to-count-crypto-in-loan-approval-decisions-how-will-the-market-respond\/\">Fannie and Freddie Prepare to Count Crypto in Loan Approval Decisions. How Will the Market Respond<\/a>? (Dec. 29, 2025).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p>More on topics:\u00a0<a href=\"https:\/\/www.deeds.com\/articles\/bitcoin-creating-new-home-buyers-why-were-watching-the-crypto-effect-on-real-estate-markets\/\">Crypto holders buying homes<\/a>,\u00a0<a href=\"https:\/\/www.deeds.com\/articles\/shakeup-at-freddie-and-fannie-update\/#:~:text=New%20Announcement%3A%20Crypto%20to%20Count%20for%20Mortgage%20Reserves\">Fannie and Freddie count crypto in mortgage reserves<\/a><\/p>\n\n\n\n<p>Photo credits: Both by <a href=\"https:\/\/www.pexels.com\/photo\/close-up-of-a-smart-phone-screen-displaying-a-cryptocurrency-logo-9169180\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bastian Riccardi<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Better Home mortgage company and Coinbase have announced a new collaboration. They\u2019re coming out with a way to link cryptocurrency with down payments for conventional loans. Wait, don\u2019t rush off to find this online. This product isn\u2019t available yet. But it will be, quite soon. Better Home\u2019s website is already collecting contact information from [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7358,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[131],"tags":[3527,3534,3530,3529,3528,3532,3526,3531,3533,3205],"class_list":["post-7357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-bitcoin-mortgage","tag-coinbase-mortgage","tag-crypto-collateral-loan","tag-crypto-down-payment","tag-crypto-mortgage","tag-digital-assets-real-estate","tag-fannie-mae-crypto","tag-fintech-mortgage","tag-home-buying-crypto","tag-mortgage-innovation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crypto Mortgage Down Payments: Coinbase &amp; Fannie Mae<\/title>\n<meta name=\"description\" content=\"Crypto is entering the mortgage market. Learn how Coinbase and Fannie Mae plan to allow crypto-backed down payments\u2014and the risks involved.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/coinbase-enters-the-mortgage-world-a-partner-in-its-loan-product-fannie-mae\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crypto Mortgages Are Coming\u2014Here\u2019s What It Means\" \/>\n<meta property=\"og:description\" content=\"A major shift is coming to home buying. Coinbase and Fannie Mae are teaming up to allow crypto-backed down payments\u2014without selling your assets. 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