Crypto Mortgages
A new type of mortgage is emerging that allows crypto holders to use their digital assets as collateral when buying a home.
By Team MoonPay
Published on Apr 5, 2026
Last modified on Apr 5, 2026
A new type of mortgage is emerging that allows crypto holders to use their digital assets as collateral when buying a home.
In March 2026, a crypto-backed mortgage structure supported by Fannie Mae was introduced, marking a new step in how crypto can be used in traditional finance.
What is Fannie Mae?
Fannie Mae is a government-sponsored enterprise overseen by the Federal Housing Finance Agency (FHFA). It buys loans from lenders and packages them into mortgage-backed securities.
Because Fannie Mae sets the standards that most lenders follow, its guidelines help determine which types of loans can be offered broadly across the U.S. housing market.
