Better Mortgage and Coinbase have expanded a crypto-collateralized home-financing product to qualified general U.S. customers, pairing a Fannie Mae conforming first mortgage with a separate down-payment loan secured by pledged Bitcoin so buyers need not sell holdings. Borrowers must post Bitcoin valued at no less than 250% of the down-payment advance into Better’s custodial account on Coinbase Prime and recover it only after full repayment or refinancing; both loans share one rate, term, and monthly payment. Price declines alone do not trigger margin calls, though collateral may be liquidated after more than 60 days of missed payments. Coinbase One members can receive a 1% lender credit capped at $10,000 toward closing costs across eligible Better products. A pre-launch waitlist pointed to more than $260 million in potential volume, while an estimated 52 million Americans hold digital assets—though volatility, high collateral ratios, and underwriting still limit who qualifies.