Fannie Mae to Accept Bitcoin for Mortgages, Breaking New Ground
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Fannie Mae will accept Bitcoin and USDC as mortgage collateral—the first U.S. GSE to do so—via a partnership with Better and Coinbase, allowing buyers to use crypto for down payments without selling. Program targets asset-rich, cash-poor buyers and maintains standard Fannie Mae borrower protections; Better handles underwriting and Coinbase handles crypto custody. Major adoption milestone for crypto lending and mortgage markets with implications for token utility, custody, and broader retail/institutional use of crypto as collateral.
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- Fannie Mae moves to accept bitcoin as mortgage collateral, opening new paths to homeownership.
- Partnership with Better and Coinbase enables buyers to use crypto without selling it.
- The program targets asset-rich but cash-poor buyers struggling with down payments.
The government-sponsored enterprise (GSE) Fannie Mae is set to accept bitcoin as collateral for mortgages, a first in U.S. home financing. This means buyers can use their crypto holdings instead of selling them to make a down payment.
The program is a partnership between Better Home & Finance and Coinbase. It aims to help people who have assets but don’t have enough cash for a down payment.
The mortgage works like any other Fannie Mae loan, giving the borrower the same protections. Better handles the loan process, and Coinbase handles the crypto assets. Bitcoin and USDC can be used as collateral wit…
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