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Coinbase Powers Bitcoin-Backed Mortgages for US Homebuyers

Guavy AI Editorial Team
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BTC
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Coinbase has partnered with Better Mortgage to launch a Bitcoin-backed mortgage product that allows US homebuyers to pledge their BTC as collateral for a down payment without selling it.

The product pairs a Fannie Mae-backed home loan with a separate down payment loan secured by Bitcoin, which is transferred to Better's custodial account on Coinbase Prime. The two loans carry the same interest rate and amortization term and are repaid through a single monthly payment.

Borrowers must pledge BTC worth at least 250% of the down payment loan, and the pledged BTC is returned once the mortgage is fully repaid or refinanced. However, if a borrower becomes 60 days delinquent on payments, Better can liquidate the pledged BTC.

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