US EditionFannie Mae, Freddie Mac ordered to consider crypto as an asset when buying mortgages
UNITED STATES, JUN 24 – FHFA orders Fannie Mae and Freddie Mac to propose including cryptocurrency in mortgage risk assessments, reflecting growing crypto adoption and affecting over half of U.S. mortgages.
- FHFA Director Bill Pulte ordered Fannie Mae and Freddie Mac on June 25, 2025, to study using cryptocurrency holdings in mortgage qualification.
- This review responds to cryptocurrency's growing popularity as an alternative investment and aims to expand traditional creditworthiness assessments.
- Pulte directed agencies to consider only crypto assets held on U.S.-regulated centralized exchanges without requiring conversion into U.S. dollars.
- Bitcoin surged above $108,000 intraday on June 25 while Senator Cynthia Lummis called on the U.S. to lead in setting crypto regulations.
- This initiative could redefine borrowing criteria for millions, signaling a major shift toward recognizing digital assets in mainstream home lending.
170 Articles
170 Articles
Crypto industry moves into the U.S. housing market
The nation’s largest mortgage finance firms will begin accepting crypto as an asset on a mortgage application, another significant step by the Trump administration to bring digital currencies into mainstream finance.
Cryptocurrencies may soon help buy homes: FHFA orders Fannie Mae and Freddie Mac to study crypto-backed mortgages
by Ramon Tomey, Natural News: The FHFA has directed Fannie Mae and Freddie Mac to draft a proposal allowing cryptocurrency holdings to be considered in mortgage risk assessments, aiming to expand loan accessibility amid a housing market slump. High interest rates, low mortgage applications, housing shortages and generational stagnation (e.g., seniors delaying downsizing) have worsened […]
U.S. Housing Regulator Could Let Crypto Be Considered in Mortgage Applications
Director Bill Pulte said that the FHFA will examine whether cryptocurrency holdings should help when it comes to U.S. home loans. What to know: The FHFA opened a review of digital asset balances in home-loan applications, according to its director. The could change how Fannie Mae and Freddie Mac evaluate borrower wealth to consider cryptocurrency holdings. FHFA Director Bill Pulte holds bitcoin and other crypto-related assets. The Federal Housi…
Crypto industry moves into the US housing market - The Boston Globe
President Trump’s housing director said he would direct Fannie Mae and Freddie Mac — the nation’s big mortgage finance firms — to consider homebuyers’ crypto investments as part of their overall wealth in assessing whether they can afford a mortgage.
‘A bag of fartcoin’: US's push to consider crypto for mortgages ridiculed
As US president Donald Trump's administration continues to champion cryptocurrency, Twitter/X users have mocked a move by federal housing director William Polte to order mortgage buyers Freddie Mac and Fannie Mae to 'count cryptocurrency as an asset' in applications. People have since joked that meme coins such as 'fartcoin' can now be considered.
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