Explosive news! Crypto assets are officially included in the mortgage loan system, and the real estate market in the beautiful country may undergo a huge change! A new policy ignites market imagination! The Federal Housing Finance Agency (FHFA) has officially announced that cryptocurrencies will become legitimate assets for applying for mortgage loans, allowing lenders to directly use cryptocurrencies such as Bitcoin and ETH in exchange accounts without converting to fiat currency!
Crypto assets = mortgage collateral? It's really happening!
On June 25, 2025, FHFA Director William Palatucci announced the new regulations, directly responding to the president's strategic call to 'make the beautiful country the global crypto capital.' The policy clearly states: Fannie Mae and Freddie Mac must propose feasible plans to allow lenders to use crypto assets in regulated exchanges as proof of assets when applying for home loans.
Spring for young investors?
This means:
No more need to exchange coins for dollars to pay taxes before applying for a mortgage;
Holding Bitcoin or ETH makes it easy to enter the real estate market;
Crypto investors are truly stepping into the mainstream asset circle!
Especially for those young groups with 'many coins but little money', but with low savings, this policy will reshape the structure of home purchasing opportunities.
Housing demand increases, risk control strengthens
Of course, the policy also sets up risk hedging mechanisms:
Limited to positions in exchanges regulated by the beautiful country;
Collateral will have stability and liquidity thresholds;
Lenders must assess asset volatility and develop dynamic underwriting models.
This represents a true 'acceptance' of the on-chain world by the financial system under the framework of seeking progress while maintaining stability.
Significant: A historic integration of traditional and crypto
Fannie Mae and Freddie Mac cover half of the $6 trillion mortgage market in the beautiful country, and the FHFA's intervention means that the deep integration of digital finance and traditional finance is irreversible.
On-chain real estate service providers like Propy call it 'the starting point for the biggest DeFi revolution in the real estate sector.'
In conclusion:
The crypto era is not the future; it is happening now!
Digital wallets can not only buy coins but also buy houses!
This is a policy breakthrough, an awakening of assets, and the slowly opening door to a new world on-chain!
