Fannie Mae Approves Crypto-Backed Mortgages for First Time

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

Source: Coinmarketcap

Updated: May 24 2026

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Crypto-Backed Mortgage Innovation: Fannie Mae has approved its first crypto-backed mortgage product under FHFA directive, marking a significant integration of traditional finance with digital assets, potentially attracting younger buyers into the housing market.
Dual-Loan Structure: The product features a dual-loan structure combining a conventional mortgage with a crypto-collateralized loan, requiring borrowers to pledge $250,000 in Bitcoin to secure a $100,000 down payment loan, preserving Bitcoin exposure while avoiding capital gains tax.
Compliance Challenges: In a $4.2 million transaction, compliance verification emerged as a bottleneck for scaling crypto mortgages, as the deal closed in 23 days but complex crypto asset provenance could extend processing times, impacting market adoption.
Market Positioning: This product primarily targets ultra-luxury buyers holding significant Bitcoin, rather than the intended young middle-class demographic, as the tax deferral benefits may not outweigh the flexibility of selling Bitcoin for a down payment for those with smaller holdings.

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Technical Analysis for BTC

Technical Sentiment Analysis for Bitcoin (BTC). As of , Bitcoin (BTC) is exhibiting a Neutral technical sentiment. Our proprietary analysis, which aggregates 6 technical signals, shows that 3 indicators are flashing buy, while 3 are indicating sell.

Momentum Indicators: RSI, MACD & Overbought/Oversold Status. Currently, the Relative Strength Index (RSI) for BTC stands at -, which suggests a Neutral condition. Meanwhile, the MACD (12, 26) indicator is at -, providing a Neutral signal for short-term momentum. Other oscillators like the Stochastic Oscillator at - and the Commodity Channel Index (CCI) at - further confirm a - outlook for the crypto.

Support, Resistance & Moving Averages. From a structural perspective, BTC is trading below its 60-day moving average of $- and below its 200-day long-term moving average of $-. Key price levels to watch include the immediate resistance at $- and strong support at $-. A break above $- could signal a bull continuation, while falling below $- may test the next Fibonacci floor at $-.

Bitcoin (BTC) Support & Resistance Level

Name	S3	S2	S1	Pivot Points	R1	R2	R3
Classic	66865.225	69688.857	72432.735	75256.367	78000.245	80823.877	83567.755
Fibonacci	69688.857	71815.646	73129.579	75256.367	77383.156	78697.089	80823.877

About BTC

Bitcoin is a decentralized cryptocurrency originally described in a 2008 whitepaper by a person, or group of people, using the alias Satoshi Nakamoto. It was launched soon after, in January 2009.Bitcoin is a peer-to-peer online currency, meaning that all transactions happen directly between equal, independent network participants, without the need for any intermediary to permit or facilitate them. Bitcoin was created, according to Nakamoto’s own words, to allow “online payments to be sent directly from one party to another without going through a financial institution.”Some concepts for a similar type of a decentralized electronic currency precede BTC, but Bitcoin holds the distinction of being the first-ever cryptocurrency to come into actual use.

About the author

Ohris M. Greyoon

Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.

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