Mortgage giant Fannie Mae to accept Bitcoin and crypto as collateral for home loans
Revolutionary mortgage option empowers young investors while addressing home ownership challenges with innovative crypto-collateral solutions.
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Add us on Google by Vivian Nguyen Mar. 26, 2026Digital assets are making their way into the US housing market as mortgage giant Fannie Mae prepares to accept Bitcoin and other crypto holdings as part of down payments, The Wall Street Journal reported Thursday.
The move allows crypto holders to use assets like Bitcoin directly when buying a home through Fannie Mae-backed mortgages. Instead of selling their crypto for US dollars, they can pledge it as part of the down payment, making it easier to access traditional housing finance. The program is being rolled out with Coinbase and Better Home & Finance.
The change comes after the US Federal Housing Finance Agency (FHFA) ordered Fannie Mae and Freddie Mac to draft plans that would let certain crypto assets be used in mortgage underwriting without mandatory conversion to dollars.
This is a developing story. Please check back for further updates.
Disclosure: This article was edited by Vivian Nguyen. For more information on how we create and review content, see our Editorial Policy.
