Coinbase introduces Fannie Mae-backed crypto mortgage product with Better

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Sholanke Dele

6 hours ago

Coinbase introduces Fannie Mae-backed crypto mortgage product with Better — Coinbase, Better unveil crypto mortgage

Coinbase announced details of a new crypto-backed mortgage option in partnership with Better, allowing U.S. homebuyers to pledge Bitcoin or USDC as collateral for a down payment loan alongside a conforming mortgage product. The product, supported by Fannie Mae, does not require borrowers to sell their crypto and includes a closing cost incentive for eligible Coinbase One members.

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Coinbase has disclosed specifics regarding a new crypto-backed mortgage product developed in partnership with Better (Better Home & Finance) for U.S. homebuyers. The offering enables customers to pledge Bitcoin or USDC held in their Coinbase account as collateral for a separate down payment loan, paired with a standard Fannie Mae-backed conforming mortgage on the property. Both loans share the same interest rate and repayment schedule, resulting in a single monthly payment. Crypto collateral is held in custody by Better within a Coinbase Prime account throughout the loan term and is returned upon full repayment or refinancing.

Collateral requirements differ based on asset type, with Bitcoin requiring at least 250% and USDC at least 125% of the down payment loan value. No margin calls are triggered by market fluctuations; however, missed mortgage payments exceeding 60 days can lead to liquidation of the pledged crypto. The product is open for early-access registration, with launch expected in the months following the announcement on March 26, 2026. Eligible Coinbase One members may receive a closing cost lender credit of up to 1% of the mortgage value, capped at $10,000.

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How to participate

To participate in the crypto-backed mortgage initiative from Coinbase and Better, users must have a Coinbase account with Bitcoin or USDC available for pledge and meet credit approval requirements from Better. Begin by registering for early access on Better’s platform through the official sign-up link. Once registered, submit a pre-application to check eligibility and, if approved, pledge your crypto assets as collateral to secure the down payment loan. Eligible Coinbase One members may receive a closing cost credit as part of the program.

Coinbase is a cryptocurrency exchange that provides access to a wide range of digital assets such as Bitcoin, Ethereum, Litecoin, Ripple, and BitcoinCash for traders in over 100 countries. The platform features both a web interface and mobile applications, offers offline storage for assets, and includes free e-wallets, a virtual card, and educational tools that allow users to earn while learning about cryptocurrencies. For additional details, visit the broker profile on Traders Union: Coinbase broker profile on Traders Union.

For more context, see our earlier news about Coinbase where the broker launched pre-IPO perpetual futures tied to SpaceX, offering traders new exposure to private company valuations. Read the previous Coinbase update on Traders Union for further details.

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