Mortgage lender Better Home and Finance has partnered with cryptocurrency exchange, Coinbase, to offer crypto-backed home loans accepted by Fannie Mae, a government-sponsored enterprise (GSE) that insures mortgages. These new loans differ from previous ones as users can use crypto for a down payment on a conforming loan backed by the company, not on a specialized type of mortgage. This means that more Americans can qualify for these loans. The only time the value of your crypto can affect your mortgage is if you default on payments, and the loan uses it as collateral rather than your home. Borrowers must store their crypto in a Coinbase account and get their loan through Better.