Fannie Mae-Backed Bitcoin Mortgage Heads Nationwide

▤ Summary

Coinbase and Better have launched the first Fannie Mae-backed mortgage that uses bitcoin or USDC as collateral for down payment financing. The structure lets borrowers keep their digital assets while securing a conforming home loan. Better handles mortgage origination and servicing, while Coinbase manages custody, compliance, and operational support for the crypto collateral. The rollout could broaden access for buyers who have crypto wealth but lack enough liquid cash for a traditional down payment.

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