Crypto as Home Down Payment: New Mortgage Option

0:00Better home and finance is teaming up with Coinbase to launch a new mortgage option that lets crypto holders use their digital assets as collateral for a home-down payment. The program rolls out some time in the next three months and targets the 52 million Americans who own cryptocurrencies like Bitcoin. Unlike typical setups, borrowers won't have to sell their crypto to get cash. Instead, they'll pledge Bitcoin or USDC to Coinbase, keeping their holdings intact for any future value growth. Right now, crypto plays a tiny role in home buying. A recent national association of Realtor Survey found just 1% of downpayments from July 2024 to June 2025 came. From crypto sales, the mortgage follows Fannie Mae guidelines for lower interest rates and follows last June's push by federal housing regulators to consider crypto as an asset. If crypto values drop, no extra collateral is needed, but holdings could be liquidated after 60 days of mispayments.

1:01This can make home ownership easier for crypto investors without forcing sales, blending digital finance with traditional real estate in a big way. That wraps Durham news today, brought to you with AI.