U.S. Orders Housing Giants to Embrace Crypto in Mortgage Evaluations

In a groundbreaking move, the U.S. Federal Housing Finance Agency (FHFA) has ordered Fannie Mae and Freddie Mac to incorporate cryptocurrency holdings into mortgage risk assessments.

Outlined in FHFA Decision No. 2025-360, the directive requires both agencies to propose frameworks that evaluate digital assets—such as Bitcoin, stablecoins, and other tokens—when assessing borrower eligibility for single-family home loans. This marks a sharp departure from the long-standing practice of requiring crypto-to-cash conversion for mortgage approval.

FHFA Director William Pulte announced the decision, aligning it with President Donald Trump’s March 2025 Executive Order establishing a Strategic Bitcoin Reserve. The directive signals a growing acceptance of crypto as a mainstream financial asset amid a global market cap now exceeding $2.5 trillion.

“This is a win for crypto holders and a modernization of lending,” said Redfin chief economist Daryl Fairweather, adding that younger and crypto-savvy buyers could benefit the most. A recent NBER report noted that many Americans are already using crypto gains to pay off mortgages.

However, volatility remains a key concern. Crypto assets can fluctuate 4–5% daily, prompting the FHFA to require revised risk models. Fannie Mae and Freddie Mac are expected to submit proposals soon, with implementation timelines still under review.

If adopted, this move could reshape the $11 trillion U.S. housing market and further solidify America’s crypto-forward financial future.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. CoinCryptoNewz is not responsible for any losses incurred. Readers should do their own research before making financial decisions.