By Isaac • September 6, 2026 3:10 pm •
Bitcoin holders have heard the pitch for years: keep the asset and borrow against it. Better Mortgage and Coinbase are now carrying that logic all the way to the closing table.
The token-backed program lets qualified U.S. buyers pledge Bitcoin as collateral for a separate down-payment loan while taking out a conventional home mortgage.
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A buyer can pursue a house without first selling a long-term Bitcoin position and creating an immediate taxable sale. The tradeoff is a two-loan structure that restricts the Bitcoin under terms borrowers need to read closely.
Crypto-backed mortgages have moved in.
Borrowers in the US can now use Bitcoin as collateral for a down payment – without having to sell it
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