š¹ Cryptocurrencies could soon play a role in determining mortgage eligibility. The U.S. Federal Housing Finance Agency (FHFA) announced it will begin exploring how crypto holdings might be factored into mortgage qualification criteria. The statement was made by FHFA Director Bill Pulte on platform X.
āWe will study the use of cryptocurrency assets in the context of mortgage eligibility,ā he posted on Monday.
While specific details on how cryptocurrencies will be assessed have yet to be released, the announcement signals a potential major shift in the U.S. housing finance system. FHFA has not issued any further comment.
Who Is Bill Pulte and Why Does This Matter?
Bill Pulte assumed leadership of FHFA on March 14, 2025, following his nomination by President Donald Trump. He is the founder of investment firm Pulte Capital Partners and the grandson of William Pulte, the legendary founder of Pulte Homes, the third-largest homebuilder in the U.S.
His appointment marked a pivot toward a more tech-forward vision. Pulte himself is a longtime crypto investor, with financial disclosures revealing that he holds between $500,001 and $1,000,000 in Bitcoin and Solana.
Pulteās Crypto Passion Extends Beyond Regulation
Pulte entered the crypto space in 2019, publicly announcing his purchase of 11 BTC and beginning to distribute crypto to his followers online. Along with Bitcoin and Solana, he also holds stock in crypto-focused firms like mining giant Marathon Digital Holdings (MARA).
His investment portfolio further includes meme stocks such as GameStop and Bed Bath & Beyond, as well as equity in major tech firms like Tesla, Palantir, and several ventures backed by YouTube creator MrBeast.
Crypto Assets in Mortgages? A Real Game-Changer
Integrating cryptocurrencies into mortgage qualification could fundamentally change the landscape for millions of Americans. Crypto holders who struggle to prove traditional income might soon have new options when applying for home loans.
As the independent regulator overseeing entities such as Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, the FHFA has the potential to reshape the U.S. housing marketājust as it did following the 2008 financial crisis, when it was created to stabilize mortgage financing.
Political Backdrop
Beyond business, Bill Pulte is also a known political supporter of Donald Trump. According to public records, he donated $6,600 to Trumpās 2024 re-election campaign, along with contributions to Save America and the Republican National Committee. His crypto involvement is thus both personal and, to an extent, ideological.
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