đşđ¸ US Moves to Consider Crypto in Mortgage Applications?
In the past 24 hours, the Federal Housing Finance Agency (FHFA) has instructed Fannie Mae and Freddie Macâtwo major mortgage finance institutions in the USâto prepare proposals for evaluating cryptocurrency as a legitimate asset in mortgage risk assessments. If approved, homebuyers could use crypto holdings such as Bitcoin and Ethereum to qualify for loans without needing to convert them into cash.
This would only apply to cryptocurrencies held on centralized exchanges regulated in the US (e.g., Coinbase, Kraken). Risk mitigation measuresâsuch as conservative valuation methods or additional collateral requirementsâare being considered to address cryptoâs high price volatility.
đ Following the announcement, Bitcoin rose 1.5%, breaking above $107,000âhighlighting a positive market response.
âď¸ While many see this as a breakthrough for cryptoâs integration into traditional finance, there are important concerns:
⢠Price volatility could create credit risks, especially if crypto assets drop sharply after loan approval.
⢠Only assets held on regulated US exchanges will be considered, excluding users with self-custody wallets or foreign platforms.
⢠Regulatory shifts or a market downturn could trigger policy revisions or narrow eligibility.
In the long term, if approved, this move could mark the beginning of a new âcrypto real estateâ waveâwhere digital assets are accepted as mortgage collateral. But the actual impact will depend on how the policy is implemented, especially regarding valuation criteria and risk controls.
The proposal still requires approval from Fannie and Freddieâs board of directors. If successful, it could become a milestone in bringing crypto deeper into traditional financeâaligned with President Trumpâs pledge to make the US a global crypto hub.
#CryptoAdoption #Mortgage #BitcoinPolicy
