You Can Now Buy a House With Bitcoin (And It's Not What You Think) | CBP 258 Pt 1
Mar 31, 2026
New US-backed mortgage mechanics let you pledge Bitcoin or USDC as down-payment collateral without mark-to-market risk. The podcast unpacks Coinbase Prime custody, a second-loan structure, and who might actually use it. They also cover Canada’s proposed ban on crypto political donations, a massive Binance credential leak, Wealthsimple’s prediction markets, and Australian pensions adding Bitcoin options.
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insights INSIGHT
How Bitcoin Backed Mortgages Actually Work
Fannie Mae and Freddie Mac approved a US government-backed mortgage product that allows Bitcoin or USDC to be pledged as down payment collateral.
Borrowers open a Coinbase account, pledge assets into Better's Coinbase Prime custody, take a second loan for the down payment, and the collateral is never mark-to-market so no margin calls on price drops.
volunteer_activism ADVICE
Prepare For KYC And Repossession Risks
Do KYC and be prepared to disclose large Bitcoin holdings if you use this mortgage route because Coinbase custody and Better require accounts and documentation.
Remember defaults could leave government-backed entities holding your Bitcoin, so consider legal and privacy implications before pledging.
insights INSIGHT
No Mark To Market Is The Biggest Feature
The critical benefit of non-mark-to-market collateral is avoiding forced liquidations during violent Bitcoin price moves.
Joe warns this eliminates margin-call risk but also removes upside accrual on pledged coins, making it attractive for holders who don't want to sell.
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Bitcoin-backed mortgages are now officially here — Fannie Mae and Freddie Mac have greenlit the first US government-backed product that lets you use Bitcoin or USDC as collateral to buy a home, and most people are completely misreading what this actually means.The structure is more nuanced than the headlines suggest: you pledge Bitcoin into a Coinbase Prime account, take out a second loan backed by that collateral to fund your down payment, and crucially — the collateral is never mark-to-market. No margin calls if Bitcoin dumps 40% overnight. That's the biggest part of this story nobody's talking about.The US Treasury's own 2025 financial report: $6 trillion in assets, $48 trillion in liabilities — a net position of negative $41.7 trillion, up $2 trillion in one year. Jerome Powell publicly acknowledged the structural deficit problem. Meanwhile Canada moves to ban Bitcoin political donations under Bill C-25, Wealthsimple launches prediction market gambling, and 150 million Binance credentials just leaked. All of that plus Bitcoin mortgages, Australian pension Bitcoin allocation, Strait of Hormuz oil crunch, and quantum computing risk — all this episode.Sponsors:easyDNShttps://easydns.comAnycast DNS, domain registration, web & email services — fast, reliable, privacy-focused.Pay with Bitcoin.Use coupon code CBPMEDIA for 50% off your first purchase.Bull Bitcoinhttps://mission.bullbitcoin.com/cbpThe CBP recommends Bull Bitcoin for buying Bitcoin simply and securely.Use the link above for 25% off fees for life.256Heathttps://256heat.com/Heat your home, garage, or office while earning more Bitcoin than it costs to run.Book a call with a hashrate heating consultant today.Bitcoin Mentorhttps://btcmentor.io/aff/90/Get hands on, white glove support with your Bitcoin storage and planning. Whether you need help with multi-sig or multi-generational storage, Bitcoin Mentor has you covered.🟠 Subscribe: https://www.youtube.com/@CanadianBitcoinersThe US Treasury's own 2025 financial report: $6 trillion in assets, $48 trillion in liabilities — a net position of negative $41.7 trillion, up $2 trillion in one year. Jerome Powell publicly acknowledged the structural deficit problem. Meanwhile Canada moves to ban Bitcoin political donations under Bill C-25, Wealthsimple launches prediction market gambling, and 150 million Binance credentials just leaked. All of that plus Bitcoin mortgages, Australian pension Bitcoin allocation, Strait of Hormuz oil crunch, and quantum computing risk — all this episode.Canadian Bitcoiners Podcast — Bitcoin, economics, and Canadian politics through a liberty-minded, data-grounded lens. New episodes every week.#Bitcoin #BitcoinMortgage #FannieMae #CanadianBitcoiners #CBP #BullBitcoin #Crypto #BitcoinNews #Canada #Macroeconomics
The Canadian Bitcoiners Podcast - Bitcoin News With a Canadian Spin