{"id":77883,"date":"2026-03-26T14:31:40","date_gmt":"2026-03-26T14:31:40","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=77883"},"modified":"2026-03-26T14:31:40","modified_gmt":"2026-03-26T14:31:40","slug":"coinbase-fannie-mae-to-introduce-crypto-backed-mortages","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=77883","title":{"rendered":"Coinbase, Fannie Mae To Introduce Crypto-Backed Mortages"},"content":{"rendered":"<div>\n<p><strong>Fannie Mae<\/strong> will accept crypto-backed mortgages for the first time through a new product from Better Home &amp; Finance and <strong>Coinbase<\/strong> <a class=\"ticker-link\" data-ticker=\"COIN\" data-exchange=\"NASDAQ\" href=\"https:\/\/www.benzinga.com\/quote\/COIN\" target=\"_blank\" rel=\"noopener\">(NASDAQ:<\/a><a class=\"ticker\" href=\"https:\/\/www.benzinga.com\/quote\/COIN\">COIN<\/a>) that lets home buyers pledge <strong>Bitcoin<\/strong> <a class=\"ticker-link\" data-ticker=\"BTC\" data-exchange=\"CRYPTO\" href=\"https:\/\/www.benzinga.com\/quote\/BTC-USD\" target=\"_blank\" rel=\"noopener\">(CRYPTO: <\/a><a class=\"ticker\" href=\"https:\/\/www.benzinga.com\/quote\/btc\/usd\">BTC<\/a>) or <strong>USDC<\/strong> <a class=\"ticker-link\" data-ticker=\"USDC\" data-exchange=\"CRYPTO\" href=\"https:\/\/www.benzinga.com\/quote\/USDC-USD\" target=\"_blank\" rel=\"noopener\">(CRYPTO: <\/a><a class=\"ticker\" href=\"https:\/\/www.benzinga.com\/quote\/\">USDC<\/a>) as collateral.<\/p>\n<h3 class=\"wp-block-heading\">How The Product Works<\/h3>\n<p>Home buyers get a traditional 15- or 30-year Fannie-backed <a href=\"https:\/\/www.wsj.com\/real-estate\/fannie-mae-to-accept-crypto-backed-mortgages-for-the-first-time-bfa502c7?mod=Searchresults&amp;pos=1&amp;page=1\">mortgage<\/a> from Better, then take out a separate loan backed by either Bitcoin or USDC to cover the down payment, The Wall Street Journal reported on Thursday.<\/p>\n<p>This structure lets buyers avoid triggering capital gains taxes from selling crypto while maintaining exposure to the market.<\/p>\n<p>The trade-off comes at a cost. Paying interest on two loans instead of making a cash down payment increases the overall cost of homeownership significantly.\u00a0<\/p>\n<p>Interest rates on both loans would range from comparable to typical Fannie Mae mortgages to 1.5 percentage points higher.<\/p>\n<p>Once the homeowner pledges the crypto as collateral, they cannot &#8230;<\/p>\n<p><a href=\"https:\/\/www.benzinga.com\/crypto\/cryptocurrency\/26\/03\/51483790\/coinbase-fannie-mae-to-introduce-crypto-backed-mortages?utm_source=benzinga_taxonomy&amp;utm_medium=rss_feed_free&amp;utm_content=taxonomy_rss&amp;utm_campaign=channel\" alt=\"Coinbase,\" fannie mae to introduce crypto-backed mortages>Full story available on Benzinga.com<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Fannie Mae will accept crypto-backed mortgages for the first time through a new product from Better Home &amp; Finance and Coinbase (NASDAQ:COIN) that lets home buyers pledge Bitcoin (CRYPTO: BTC) or USDC (CRYPTO: USDC) as collateral. How The Product Works Home buyers get a traditional 15- or 30-year Fannie-backed mortgage from Better, then take out [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-77883","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/77883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=77883"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/77883\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=77883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=77883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=77883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}