HISTORICAL STEP WITH CRYPTO

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Federal Housing Finance Agency (FHFA) President William Pulte, in an order given to Fannie Mae and Freddie Mac on June 25, 2025, requested that work be done to consider crypto assets as "collateral" for first mortgage loans. This decision anticipates that assets such as Bitcoin and Solana in crypto wallets — when held in U.S. regulated exchanges — can be taken into account in mortgage risk analyses without being converted into dollars.

Previously, these GSEs only recognized crypto as having been sold and converted to USD. This new step, dependent on the current administration, aims to evaluate the borrower's financial profile more holistically and potentially expand the opportunity to obtain a home loan.