FHFA to Consider Crypto Holdings in Mortgage Eligibility
- Lyla Velez
- June 26, 2025
- Policy
- 0 Comments
Key Points:
- William J. Pulte’s directive could transform mortgage applications.
- Crypto considered an asset for mortgages in the U.S.
- Major cryptocurrencies like BTC and ETH targeted.
The FHFA’s decision reflects growing recognition of cryptocurrency’s role in financial systems, positioning the U.S. as a progressive force in crypto integration.
Under William J. Pulte, the FHFA is preparing to recognize cryptocurrencies as mortgage assets, aligning with President Trump’s vision. Pulte emphasized the move aims to modernize housing finance systems.
The plan involves major federally backed entities such as Fannie Mae and Freddie Mac. Pulte’s initiative could substantially alter U.S. mortgage processes by acknowledging Bitcoin and Ethereum as assets.
We will study the usage of cryptocurrency holdings as it relates to qualifying for mortgages, said William J. Pulte, Director, Federal Housing Finance Agency (FHFA).
This shift could enhance the purchasing power for crypto holders in the real estate market. While not yet formalized, preliminary signs indicate supportive market behavior with rising BTC activity. Potential implications include reshaped mortgage qualifications and broader financial ecosystems. The decision is poised to be influential, contingent on final criteria by FHFA’s regulatory framework.
The historical absence of crypto in traditional mortgage markets signals a potential financial transformation. Stakeholders anticipate future developments regarding regulatory guidelines and asset evaluations.
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