Fannie Mae Opens Door to Crypto-Backed Home Loans

A new product allows borrowers to pledge bitcoin or USD Coin to secure a second loan for a down payment on Fannie Mae-eligible home loans.Bitcoin virtual cryptocurrency resting on U.S. dollar banknotes in Paris on Feb. 14, 2025. Maeva Destombes/Hans Lucas/AFP via Getty Images3/26/2026|Updated: 3/26/2026Home-loan giant Fannie Mae will soon accept so-called crypto-backed mortgages for the first time, marking another step in cryptocurrencies’ push into mainstream consumer finance.On Thursday, mortgage lender Better Home & Finance and crypto exchange Coinbase Global announced a new product that ties digital assets to down payments on Fannie Mae-eligible home loans.