{"id":77900,"date":"2026-03-26T15:46:37","date_gmt":"2026-03-26T15:46:37","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=77900"},"modified":"2026-03-26T15:46:37","modified_gmt":"2026-03-26T15:46:37","slug":"fannie-mae-to-accept-crypto-bitcoin-as-collateral-for-mortgages-in-coinbase-tie-up","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=77900","title":{"rendered":"Fannie Mae To Accept Crypto, Bitcoin As Collateral For Mortgages In Coinbase Tie-Up"},"content":{"rendered":"
\n

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.<\/p>\n

Crypto Down Payment Options For Fannie Mortgages<\/h2>\n

On Thursday, Better Home & Finance and Coinbase announced <\/a>a joint mortgage product that lets prospective buyers pledge crypto as collateral for the down payment on a Fannie Mae\u2011backed loan rather than selling their digital assets to generate cash.\u00a0<\/p>\n

The offering is structured so the pledged holdings \u2014 such as Bitcoin (BTC) or Circle\u2019s USDC stablecoin held in a Coinbase account \u2014 secure a separate loan to fund the down payment; the home mortgage itself remains a conventional Fannie\u2011backed loan.<\/p>\n

Better Home & Finance\u2019s founder and CEO, Vishal Garg, framed the partnership as a way to broaden access to homeownership:\u00a0<\/p>\n

\n

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.\u00a0\u00a0<\/p>\n<\/blockquote>\n

Coinbase, in its announcement, described the product as the first time an \u201cAI\u2011native\u201d mortgage lender has combined secured digital\u2011asset loans with the platform of a major crypto exchange to bridge digital wealth and traditional real\u2011estate finance.<\/p>\n

Unaffected By Bitcoin Price Swings<\/h2>\n

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\u2019s price.\u00a0<\/p>\n

Coinbase also noted its ongoing engagement with policymakers. \u201cWe maintain an active, bipartisan dialogue with Washington,\u201d said <\/a>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.<\/p>\n

\"Crypto\"<\/p>\n

At the time of writing, the crypto exchange\u2019s 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\u2019s trade.\u00a0<\/p>\n

Featured image from OpenArt, chart from TradingView.com\u00a0<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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 […]<\/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-77900","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\/77900","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=77900"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/77900\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=77900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=77900"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=77900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}