For the first time, the U.S. housing system is preparing to treat Bitcoin as an asset for mortgages.
Here’s what that means, why it’s such a big deal, and what comes next
This isn’t hype or speculation.
It’s a formal directive from William Pulte, the US Director of Federal Housing—delivered straight to the top of the $13 trillion U.S. mortgage market.
Bitcoin is being elevated to a position of serious financial legitimacy.
The U.S. mortgage market is the largest consumer credit market on earth.
Over $13 trillion in outstanding debt.
Fannie and Freddie back over 60% of it.
This isn’t just a win for Bitcoin.
It’s the moment it enters the core plumbing of the U.S. credit system.
For anyone who holds a large % of their net worth in Bitcoin, this solves a massive friction:
Until now, buying a home usually meant selling Bitcoin to meet mortgage qualification rules.
Soon, you’ll be able to use it instead—without triggering capital gains.
This is the same playbook we saw with ETFs:
First recognition.
Then limited implementation.
Then full integration.
Bitcoin is becoming not just an asset you can buy—but one the system can 𝘣𝘶𝘪𝘭𝘥 on.
The policy isn’t perfect.
Currently, only Bitcoin held on U.S.-regulated exchanges qualifies—not self-custody.
That’s a miss.
But it’s also a detail that’s likely to evolve.
The direction is clear: Bitcoin is being legitimized—fast.
We’re now on a path to:
• Bitcoin-backed mortgage bonds
• Risk-adjusted rates for BTC holders
• Credit scoring that accounts for cold storage
• A world where sovereign debt and consumer debt both tap Bitcoin as collateral
Another day, another massive Bitcoin policy tailwind the market hasn’t priced in.
It’s happening quietly. But it’s compounding.
Bitcoin isn’t just winning narratives.
It’s winning policy.
And when policy shifts… price follows.
Soon, someone will buy their dream home without selling a single sat.
Because they held Bitcoin.
Because they believed early.
Because the system caught up.
That’s the future we’re entering. And it’s coming faster than anyone expected.