The post Coinbase Launches Crypto Mortgage Product Tied to Fannie Mae appeared on BitcoinEthereumNews.com.

Crypto exchange Coinbase Global has launched a mortgage structure with Better Home & Finance that lets qualified borrowers pledge digital assets held in Coinbase accounts to fund down payments on standard conforming mortgages designed in accordance with Fannie Mae guidelines. According to Coinbase, the structure enables borrowers to pledge digital assets such as Bitcoin (BTC) or USDC (USDC) as collateral for a separate loan used to fund the down payment, while the primary mortgage remains a standard, Fannie Mae–backed loan. Better will originate and service the mortgages. When rolled out, the new development could mark a shift in how crypto assets are used in US housing finance, extending their role from qualifying assets in underwriting to a more direct component of mortgage financing. The news follows earlier regulatory signals to integrate crypto into mortgage frameworks. In June, the US Federal Housing Finance Agency directed Fannie Mae and Freddie Mac to prepare proposals to recognize cryptocurrency as an asset in mortgage risk assessments without requiring conversion to US dollars. It also builds on a series of developments integrating crypto into home lending, with lenders like Newrez and Rate recently recognizing crypto holdings in underwriting, signaling a broader push to embed crypto across the mortgage stack. Cointelegraph reached out to Fannie Mae for more information but did not receive a response before publication. Pledging crypto for down payments comes with added risks According to Coinbase, borrowers would take out a standard conforming mortgage while using a separate loan secured by crypto holdings to cover the down payment. The setup allows buyers to retain exposure to digital assets, but replaces upfront cash with additional debt.  Related: Crypto mortgages in US face valuation risks, regulatory uncertainty Coinbase said the model introduces constraints tied to pledged assets, with borrowers unable to trade collateral while it…

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Filed under: News - @ March 27, 2026 6:28 am