Dmytro Gruz RE/MAX

04/09/2026

03/28/2026

For the first time in history you can buy a house with Bitcoin without selling your Bitcoin.

This is a genuinely big deal and it just happened this morning.

Fannie Mae, the government backed mortgage giant that backstops nearly 40% of all U.S. mortgages, is accepting crypto backed mortgages for the first time ever.

Here's how it actually works.

Coinbase and mortgage company Better Home & Finance have partnered to let homebuyers pledge Bitcoin or USDC as collateral for their down payment instead of selling it.

You keep your crypto. You avoid the taxable event of selling it.

And you still get a standard Fannie Mae conforming mortgage with the same protections as any traditional home loan.

A few things worth knowing before you get too excited.

The rates are higher. Expect to pay 0.5 to 1.5 percentage points above a standard 30 year mortgage depending on your borrower profile. So if standard rates are at 6.1% you could be looking at 6.6% to 7.6%.

There are no margin calls. If Bitcoin drops in value your mortgage terms don't change and no additional collateral is required.

You only face liquidation risk if you go 60 days delinquent on payments, same as a conventional mortgage.

You still have to qualify. Credit score, income, and underwriting standards still apply. The crypto is supplemental collateral for the down payment, not a substitute for actually qualifying for the loan.

Here's why this matters beyond the crypto world.

Fannie Mae sets the standard that the entire mortgage industry follows. When they update their guidelines lenders across the country adapt. This isn't a niche fintech experiment.

It's an institutional green light that could open homeownership to millions of younger Americans who are asset rich in crypto but cash poor for a down payment.

Whether you think crypto belongs in the mortgage market or not, the line between digital wealth and traditional homeownership just got significantly blurrier.

11/17/2025

The California real estate empire of Mosser Living, a company that owns 61 buildings in San Francisco but has been selling off parts of its portfolio, could lose another 428 housing units in the coming months, according to documents obtained by Mission Local. ⁠
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The company, founded in 1955, received receivership orders for 14 of its San Francisco buildings — 13 residential and one commercial — between June 5 and October 15. ⁠
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While receivership does not on its own mean buildings are for sale, many have already received notices for public auction. ⁠
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Those properties face imminent foreclosure if Mosser doesn’t come to an agreement with its lender, JP Morgan Chase.

11/07/2025

https://www.sfchronicle.com/realestate/article/san-francisco-home-sales-21127729.php

The rise of the artificial intelligence industry has brought a wave of wealth — and demand for homes.

10/31/2025

🔥 A Fresh Start in Palo Alto! 🌿
📍 4115 El Camino Real, Palo Alto, CA 94306

Welcome to the kind of home that makes you fall in love the moment you walk in.
Brand new. Bright. Bold. And beautifully designed for modern life in the heart of Silicon Valley. ✨

Step inside this 1 bedroom, 1 bathroom residence — where clean lines, open space, and natural light flow effortlessly. The chef’s kitchen shines with stainless steel appliances and sleek minimalist cabinetry. Every detail whispers sophistication.

Slide open the glass doors and step onto your private balcony — your own slice of California sunshine ☀️ Perfect for a quiet morning coffee or sunset with friends.

This is more than just a home — it’s your launchpad to everything Palo Alto offers: Stanford, world-class tech offices, cafés, and green parks — all just minutes away.

🏠 Available Residences:
1️⃣ 1 Bedroom — $1,198,000 (3 Available)
2️⃣ 2 Bedroom — $1,628,000 (1 Available)
3️⃣ 3 Bedroom — $2,488,000 (2 Available)

💡 Why You’ll Love It:
• Certified green building 🌱
• Expansive decks + floor-to-ceiling windows 🌇
• Chef’s kitchens & designer finishes 🍳
• Ample parking w/ car stack 🚗
• 99 Bike Score / 88 Walk Score 🚴‍♂️
• Award-winning schools 🎓

📅 Open House:
📍 Saturday, Nov 1, 2025 | 2–4 PM
📍 Sunday, Nov 2, 2025 | 2–4 PM

💬 Message me for details or to schedule your private tour — this is where modern Palo Alto living begins!

10/31/2025

🌟 Introducing Palo Alto’s New Modern Gem! 🏡
📍 4115 El Camino Real, Palo Alto, CA 94306

Step into a brand-new chapter of Silicon Valley living — where cutting-edge design meets California sunshine ☀️

✨ Just listed! A never-before-lived-in 1 bedroom, 1 bathroom home that blends modern elegance with effortless comfort. Every detail — from the sleek chef’s kitchen with stainless steel appliances to the floor-to-ceiling glass windows — is crafted for those who appreciate clean lines, natural light, and timeless design.

Slide open the glass doors to your expansive private balcony, your new favorite place to sip morning coffee ☕, host evening wine nights 🍷, or simply enjoy the soft Palo Alto breeze.

Located moments from Stanford University, tech giants, and downtown cafés, this home puts you at the heart of everything — innovation, style, and convenience.

💫 Available Residences:
🛏 1 Bedroom — $1,198,000 (3 Available)
🛏 2 Bedroom — $1,628,000 (1 Available)
🛏 3 Bedroom — $2,488,000 (2 Available)

💎 Highlights:
🌿 Certified green building
🍳 Designer kitchens
🌇 Floor-to-ceiling glass + private decks
🚗 Ample parking w/ car stack
🚴‍♂️ 99 Bike Score | 🚶‍♀️ 88 Walk Score
🎓 Award-winning school district

📅 Open House:
🗓 Saturday, Nov 1, 2025 | 2–4 PM
🗓 Sunday, Nov 2, 2025 | 2–4 PM

✨ Discover where modern living meets Palo Alto charm.
Send a message to schedule your private showing today!

10/31/2025

🌟 Introducing Palo Alto’s New Modern Gem! 🏡 📍 4115 El Camino Real, Palo Alto, CA 94306 Step into a brand-new chapter of Silicon Valley living — where cutting-edge design meets California sunshine ☀️ ✨ Just listed! A never-before-lived-in 1 bedroom, 1 bathroom home that blends modern elegance with effortless comfort. Every detail — from the sleek chef’s kitchen with stainless steel appliances to the floor-to-ceiling glass windows — is crafted for those who appreciate clean lines, natural light, and timeless design....

🌟 Introducing Palo Alto’s New Modern Gem! 🏡 📍 4115 El Camino Real, Palo Alto, CA 94306 Step into a brand-new chapter of Silicon Valley living — where cutting-edge design meets California sunshi…

10/30/2025

Just Listed!425 18th Ave, San Francisco, CA 94121📍 Central Richmond ✨ $1,248,000 | 3 Beds | 1.5 Baths | 1,800 Sq. Ft. | Built 1919 Spacious Edwardian home in the coveted Central Richmond neighborhood — a classic residence ready to be reimagined! 🛋️ Bright living room with stately fireplace & tall coved ceilings🍽️ Formal dining room with original woodwork & built-ins…...

Just Listed!425 18th Ave, San Francisco, CA 94121📍 Central Richmond ✨ $1,248,000 | 3 Beds | 1.5 Baths | 1,800 Sq. Ft. | Built 1919 Spacious Edwardian home in the coveted…

10/29/2025

Contact me now

10/29/2025