The United States Federal Housing Finance Agency (FHFA) has announced that it will examine whether cryptocurrency holdings should be considered in mortgage qualification.
This move could further integrate digital assets into the traditional financial system.
In a post on X on June 24, FHFA Director William Pulte stated that the agency would study how crypto assets, such as Bitcoin and stablecoins, might factor into mortgage eligibility. Pulte, appointed by President Donald Trump, did not provide a timeline but emphasized the growing relevance of digital assets in household finances.
We will study the usage pf cryptocurrency holdings as it relates to qualifying for mortgages.
— Pulte (@pulte) June 24, 2025
The FHFA oversees federal mortgage giants Fannie Mae and Freddie Mac, and its decisions carry significant weight in the U.S. housing market. If approved, the change would allow borrowers to include crypto holdings in their financial profiles, potentially easing access to homeownership for a new class of asset holders.
This development comes months after the U.S. Securities and Exchange Commission (SEC) scrapped its controversial SAB 121 accounting rule on January 23. The guidance had previously classified crypto assets held by institutions on behalf of clients as liabilities. This hurdle discouraged major banks from offering crypto-backed products due to balance sheet constraints. Its removal has paved the way for expanded crypto-financial services.
Currently, only niche firms offer crypto-backed mortgages, requiring high collateral ratios and additional funding if asset values decrease. If the FHFA introduces new guidelines, traditional banks might also start offering these products with more flexible terms, potentially mainstreaming crypto-backed mortgages and leading to new lending models.
A November 2024 report underscores the trend, revealing that lower-income households — particularly in regions with high crypto adoption — are increasingly using crypto investment gains to pay off mortgages. The report notes a “striking increase in borrowing among low-income households” linked to crypto exposure.
As regulators explore how crypto can coexist with long-standing financial systems, the FHFA’s upcoming decision could mark a pivotal shift in how Americans leverage digital wealth for homeownership.
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