Fannie Mae and Coinbase Crypto Integration₿ CryptoBitcoin

Fannie Mae to Accept Bitcoin for Mortgages in Landmark Move

March 27, 2026, 06:00 AM161 words9 sources
Bitcoin
Fannie Mae to Accept Bitcoin for Mortgages in Landmark Move

Photo: Pexels / Melvin Silva

In a groundbreaking development, Fannie Mae will now accept Bitcoin and USDC as collateral for mortgage down payments through a partnership with Coinbase and Better Home & Finance. This marks a significant step towards mainstream cryptocurrency adoption within the U.S. housing market, potentially unlocking liquidity for crypto holders and broadening access to homeownership. The program allows borrowers to leverage their digital assets without selling them, avoiding potential taxable events, and USDC holders can continue earning staking rewards. However, a 50-60% 'haircut' will be applied to the crypto's value when calculating qualifying reserves, meaning $100,000 in Bitcoin may only count as $40,000-$50,000 towards down payment requirements. Mortgage rates for these crypto-backed loans will be 0.5 to 1.5 percentage points higher than standard rates. Unlike typical crypto lending, there are no margin calls, but borrowers face liquidation after 60 days of non-payment. Institutional investment in Bitcoin ETFs continues to surge, outpacing retail sales, suggesting strong market confidence despite recent price consolidation around $70,000.

Source Articles

This article is based on analysis of 9 source articles from our news database.

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    Finbold··finbold.com·
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    Bitcoinist··bitcoinist.com·
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    Bitcoinist··bitcoinist.com·
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    Decrypt··decrypt.co·
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    Cointelegraph··cointelegraph.com·
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    Bitcoinist··bitcoinist.com·
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    U··u.today·