Lender Comparison
Better vs Newrez
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified May 15, 2026 · Updated weekly
Better and Newrez side by side
| Better | Newrez | |
|---|---|---|
| APR (min) | By consultation | By consultation |
| APR (max) | — | — |
| Max LTV | 97% | — |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | qualified custodian | borrower held |
| Rehypothecation | No | No |
| Funding speed | — | — |
| States | — | — |
Key differences
Neither Better nor Newrez publishes fixed rates; both quote by consultation. Custody differs: Better uses qualified custodian, Newrez uses borrower held, a meaningful distinction for any borrower who weighs counterparty risk against rate.
About each lender
Better
First Fannie Mae-conforming crypto-backed mortgage, launched March 26, 2026 by Better in partnership with Coinbase. Standard Fannie Mae conforming first mortgage + BTC-pledged second loan funds the down payment. All 50 states. No-margin-call structure.
Full Better review →Newrez
First top-25 mortgage lender to formally accept crypto for income/asset qualification (2026). No collateral pledge. No margin call risk. Borrower keeps custody of their Bitcoin. Nationwide footprint.
Full Newrez review →Compare all 15 lenders
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