US Housing Giants To Consider Crypto In Mortgage Loan Assessments
The FHFA’s decision to include crypto holdings in mortgage eligibility assessments marks a significant step in bridging crypto with traditional finance. This move could help more Americans, including crypto users, access mortgage loans.
The Federal Housing Finance Agency (FHFA) announced today that it will consider applicants’ crypto holdings in determining their eligibility for a mortgage loan. The agency regulates Fannie Mae and Freddie Mac, two of the biggest pillars of the US mortgage market.
The FHFA will only consider tokens stored on US-regulated exchanges for this assessment. However, it won’t mandate applicants convert them to USD, giving crypto another interesting use case.
Can Crypto Help You Get a Mortgage Loan?
Although it may not look crucial, this development marks a major win for crypto’s relationship with TradFi. For most Americans, home ownership is the bedrock of long-term financial stability, which is why the FHFA was founded in the 1930s.
If crypto can help people qualify for federal mortgage loans, it could greatly expand market access to real security.
After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.SO ORDERED pic.twitter.com/Tg9ReJQXC3
— Pulte (@pulte) June 25, 2025
William Pulte, Director of the FHFA, has already been exploring his ability to support friendly regulations. For example, he suggested accepting crypto as mortgage collateral earlier this week.
Although several private institutions offer this service, the federal government hasn’t joined the trend yet.
Still, this new directive is a major breakthrough. When potential homebuyers apply for a mortgage loan from Fannie Mae or Freddie Mac, the FHFA assesses their total assets to determine their eligibility.
For many Americans, crypto holdings could be the difference between getting a mortgage and not.
Additionally, applicants won’t need to convert their assets to USD for the assessment. They’ll even get to retain custody since the FHFA won’t actually accept tokens as collateral.
To be clear, this program has a few limitations. The FHFA won’t consider every token, especially because market caps can be artificially inflated.
To qualify for a mortgage loan, the Agency will only consider crypto that can be stored on US-regulated CEXs. Pulte also mentioned considering “additional risk mitigants,” but didn’t specify what this entails.
Luckily, the impending new regulatory frameworks could help clarify these criteria. The community is already reacting positively to the news, and it’s clear to see why.
Crypto is a gateway to economic stability for users worldwide, and it could help enthusiasts secure mortgage loans. This move could do a lot to legitimize Web3 for ordinary people.
Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.
You may also like
AI Capital Expenditure Faces a Dilemma: Accelerating Puts Pressure on Cash Flow, Slowing Down Undermines the Growth Narrative
Nomura Securities believes that the AI investment narrative is mired in an internal contradiction: if hyperscale cloud providers accelerate capital expenditures, their free cash flow will continue to be drained, raising doubts about the sustainability of financing; if they slow down, it would indicate a loss of confidence in AI demand and profitability expectations. Both paths lead to sell-offs. The crowded long positions accumulated during the AI agent boom in September have triggered large-scale stop-losses under negative catalysts, spreading to US Treasury bonds, exchange rates, and commodity markets, resulting in systemic deleveraging.
Amazon (AMZN.US) CEO: AWS cloud computing capacity is fully booked until 2027, and a large amount of capacity has already been committed by customers for 2028
On Friday, Jassy stated that with the growing demand for artificial intelligence (AI) infrastructure, Amazon AWS cloud computing capacity is virtually sold out through 2027, and a significant portion of 2028 capacity has also been pre-booked by customers.
AI trading collapse: Will Anthropic postpone its "Super IPO"? The "scheduled listing date" in mid-November is approaching.
The time window is extremely tight—according to SEC regulations, the S-1 filing must be submitted by next week at the latest, and prediction markets estimate the probability of a listing within the year at around 80%. The sell-off in the AI sector has cast a shadow over the listing prospects, and the previous plan to go public in September has already fallen through. Several market participants say that Anthropic may face pressure to delay its listing, but some analysts point out that the company's urgent need for capital may drive it to stick to the original plan.
Crypto prices
More
