crypto mortgage

mortgage rate

2026-08-06 00:42:39

US 30-Year Mortgage Rate Hits 6.81% Annual High, Applications Slip 6.4%

According to CryptoBriefing, the average rate on a 30-year fixed-rate U.S. mortgage has climbed to 6.81%, which marks the highest level reached so far this year. In the same weekly reading, total mortgage application volume declined by 6.4%. Refinancing activity also moved lower, falling 10% for the week. Most homeowners who locked in mortgage rates below 5% between 2020 and 2022 now have little incentive to refinance, given that current rates are higher. The report also covers a crypto mortgage pilot from Coinbase and Better Home. In that pilot, borrowers are allowed to pledge digital assets as collateral for a down payment. The interest rate on the pilot product comes in 0.5 to 1.5 percentage points above a standard mortgage. That higher rate partly offsets the benefit of avoiding capital gains tax on digital assets. Overall, the pilot has not yet had any significant impact on broader mortgage trends, according to the report.

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Coinbase

2026-07-24 00:35:15

Coinbase and Better Launch Crypto Mortgage That Lets Buyers Pledge Bitcoin for Down Payments

Coinbase and Better have introduced a crypto mortgage structure for eligible U.S. homebuyers, allowing Bitcoin or USDC on Coinbase to be pledged for a separate down payment loan instead of being sold at closing.

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Fannie Mae

2026-07-23 16:10:15

Fannie Mae Accepts Bitcoin as Down Payment Collateral: Crypto Enters US Mortgage System

Fannie Mae partners with Coinbase to accept BTC and USDC as mortgage down payment collateral. Dual-structure avoids margin calls, interest rates 0.5-1.5% higher. FHFA directive drove the policy shift.

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Goldman Sachs

2026-07-09 01:50:12

Goldman Sachs Signals Bitcoin Bottom, Fannie Mae Partners with Coinbase for Crypto-Backed Mortgages

Geopolitical tensions push VIX to 27, wiping $1 trillion from US stocks. Goldman Sachs hints crypto prices may have bottomed. Fannie Mae launches crypto-secured mortgages with Coinbase. Wall Street blockchain migration accelerates silently.

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Goldman Sachs

2026-07-09 01:46:18

Wall Street Accelerates On-Chain: Goldman Calls Bitcoin Bottom, Fannie Mae Launches Crypto Mortgages – Weekly Review

Geopolitical turmoil rattled markets this week, but institutional crypto adoption surged. Goldman Sachs suggests Bitcoin may have bottomed, Fannie Mae backs crypto-backed mortgages, and Wall Street’s blockchain migration quietly accelerates.

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Milo

2026-07-02 08:30:14

Milo Tops $100 Million in Crypto Mortgages, Record $12 Million Home Loan, Bitcoin Holders Can Finance Without Selling

Miami-based fintech firm Milo has originated over $100 million in crypto mortgages, including a record $12 million single loan. The product allows clients to pledge Bitcoin as collateral for up to $25 million in financing with 100% LTV, eliminating the need for cash down payments and taxable events. Milo also offers a self-custody mortgage option, letting borrowers retain control of their Bitcoin. The company's loan book quadrupled in 2025, with interest rates averaging 7% and no margin calls. AI-driven real-time collateral monitoring enables faster risk assessment.

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Bitcoin lendi

2026-06-30 02:01:29

SVB Report: Bitcoin Lending Enters Institutional Era with Stronger Risk Controls and Declining Rates

A new report from Silicon Valley Bank indicates that Bitcoin lending has entered a new institutional era following the 2022 crypto credit crisis, featuring enhanced risk controls, increased institutional participation, and declining borrowing costs. The report reveals that several major U.S. banks now offer Bitcoin-backed credit services. Total crypto-backed loan volume grew 49% year-over-year to $67 billion. Ledn estimates the current consumer BTC mortgage market at approximately $3 billion, with potential to expand to $1 trillion over the next decade. Current Bitcoin mortgage rates range from 7.5% to 16%. SVB expects bank and private credit fund participation to gradually narrow spreads. The collapses of Celsius, BlockFi, and Genesis in 2022-2023 exposed issues of maturity mismatch and excessive leverage, making conservative underwriting and transparent risk management the industry baseline.

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Coinbase

2026-06-05 02:00:50

Coinbase and Better Home to Launch Crypto-Backed Mortgage in Summer 2026, Accepting BTC and USDC as Collateral

Coinbase and Better Home & Finance are set to launch a crypto-collateralized mortgage program in summer 2026, allowing borrowers to use Bitcoin or USDC as collateral for down payments on Fannie Mae-backed loans. The move follows FHFA guidance to incorporate crypto assets into mortgage risk assessment, with other lenders like Newrez already following suit, though some lawmakers remain concerned about volatility risks.

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