Bitcoin and Ethereum may count in home loan reviews
The U.S. Federal Housing Finance Agency (FHFA) is considering including cryptocurrency holdings in mortgage qualification criteria.
FHFA Director Bill Pulte has directed Fannie Mae and Freddie Mac to assess how crypto assets could be factored into mortgage applications. This marks a significant shift in U.S. housing policy, which has traditionally relied on conventional financial metrics. Eligibility would depend on assets being held on U.S.-regulated centralized exchanges.
Crypto asset recognition comes with caution
The directive aims to include assets such as Bitcoin and Ethereum—if stored on U.S.-regulated exchanges—in mortgage applications, potentially expanding the role of crypto in traditional finance. Previously, digital assets were typically excluded.
“This is a major win for crypto advocates who want digital assets to be treated like any other,” said Redfin Chief Economist Daryl Fairweather.
Meanwhile, the FHFA remains cautious, warning of the market's volatility. Still, the new policy could significantly affect how crypto assets are perceived in financial applications.
The FHFA emphasizes that eligibility for mortgage programs will depend on custody with U.S.-regulated centralized exchanges.
As we wrote, Bitcoin conferences: What they are and why they matter
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