Better Home & Finance Holding Company and Coinbase announced the funding of the first Fannie Mae-backed mortgage backed by Bitcoin in the United States. The companies confirmed plans to make the product available to qualified borrowers nationwide by Summer 2026. In March 2026, Better Home & Finance Holding Company and Coinbase announced plans to offer the first Fannie Mae-eligible token-backed mortgage.

The product is designed to address the evolving financial profiles of modern homebuyers, based on how they store wealth and how the mortgage system has traditionally evaluated it. Initially supporting Bitcoin and USDC, the product allows borrowers to pledge digital assets as collateral, enabling them to secure a mortgage without liquidating their holdings. The companies plan to expand support to additional digital assets as the market matures.

Better Home & Finance Holding Company selected Coinbase to power its token-backed mortgage offering because Coinbase is the most trusted crypto exchange in the U.S., with the security, compliance, and operational rigor required to bring a first-of-its-kind product to market responsibly. Through Better Home & Finance Holding Company and Coinbase?s collaboration, eligible borrowers can use their crypto wealth toward homeownership through a product built on institutional-grade custody, compliance, and risk management infrastructure.