05/16/2026
Fannie Mae is accepting crypto-backed mortgages for the first time through a partnership between Better Home & Finance and Coinbase, according to Fortune. The product lets crypto owners use digital assets as collateral for their down payments to buy a home.
The pitch is aimed at buyers who may be crypto-rich but cash-poor. Instead of selling Bitcoin or stablecoin holdings and potentially paying capital gains taxes, the buyer would take out a traditional 15- or 30-year mortgage, plus a separate loan backed by their crypto.
The risk is the second loan. Fortune reports that it would increase the overall cost of homeownership because the buyer still has to service that extra debt. Once the crypto is pledged, the homebuyer also cannot trade those assets, though the mortgage itself is not affected if the digital assets drop in value and the owner keeps making monthly payments.
Your Turn: Would you use crypto to help buy a home, or is this too risky?
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Source: https://fortune.com/2026/03/26/housing-giant-fannie-mae-to-accept-crypto-backed-mortgages-for-the-first-time/
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