Trump Administration Takes Steps to Allow Crypto to Contribute to Mortgages
The Trump administration is paving the way for cryptocurrency to be integrated into the mortgage sector. On June 25, the Federal Housing Finance Agency (FHFA) instructed Fannie Mae and Freddie Mac to initiate the creation of systems that enable borrowers to include crypto assets when seeking a mortgage. Should regulated U.S. exchanges hodl these assets, lenders may incorporate them into the underwriting process, potentially assisting more Americans in qualifying for home loans.
This represents a transition that merges digital assets with conventional finance in a manner that would have seemed improbable just a few years back. While the new policy is still in the preliminary phase, it clearly signals that regulators are acknowledging crypto as a significant aspect of personal finance.
Crypto’s Influence on Underwriting Is Evolving
Currently, most lenders require borrowers with crypto holdings to liquidate those assets into cash before they can be considered proof of financial stability. The reasoning behind this is that cryptocurrencies are considered too volatile, and lenders prefer more stable assets. While this may still be valid, the FHFA suggests it’s time to rethink how digital assets are regarded in the context of mortgage eligibility.
After thorough research, and in line with President Trump’s goal to establish the United States as the crypto capital of the globe, today I instructed the esteemed Fannie Mae and Freddie Mac to ready their operations for accounting for crypto asset as an asset for mortgages.
SO ORDERED pic.twitter.com/Tg9ReJQXC3
— Pulte (@pulte) June 25, 2025
Director William Pulte remarked that this initiative mirrors the administration’s broader plan to integrate crypto into mainstream finance. The intention is not to overlook the risks but to discover a method for incorporating crypto holdings while maintaining prudent lending practices. Under this model, lenders would impose additional evaluation to address price fluctuations and cybersecurity issues.
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What Fannie and Freddie Are Being Requested to Achieve
Fannie Mae and Freddie Mac do not issue loans directly; however, they back a substantial segment of the U.S. mortgage marketplace. Their part in this initiative is to establish a new structure that permits lenders to factor crypto into a borrower’s financial assessment. Lenders must verify that the assets are maintained with regulated U.S. platforms and accurately account for how rapidly crypto valuations may fluctuate.
At this current stage, there is no concrete timeline for when the regulations will be implemented. The agencies are being tasked with developing the specifications and bringing them forward for assessment. Any comprehensive execution would necessitate additional steps and formal endorsement.
Opinions Are Divided
Some stakeholders within the mortgage sector view this as a vital advancement. The Mortgage Bankers Association has expressed its base level for modernizing asset verification, particularly as an increasing number of individuals possess wealth in alternative forms. Conversely, there are some reservations. Amanda Fischer of Better Markets highlighted that the volatility of crypto makes it a precarious element to include in lending considerations. She also voiced concerns regarding the implications if assets vanish due to fraud or exchange failure.
This juxtaposition of innovation versus caution will likely influence how this process develops.
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Implications for Borrowers
If the initiative progresses, it could simplify the process for crypto holders to secure mortgage credit without needing to liquidate their crypto assets. This may be appealing to borrowers hesitant to sell during downturns or who prefer to maintain their long-term investments.
The next few months are crucial as Fannie Mae and Freddie Mac address the logistical aspects. Lenders will also have to update their systems, and regulators will monitor closely to observe how this unfolds in practice. If successful, it could motivate one of the most traditional sectors of the financial world to shift its perspective on crypto.
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Key Takeaways
- The Trump administration has instructed Fannie Mae and Freddie Mac to investigate incorporating crypto holdings in mortgage qualification.
- Crypto assets will only be eligible if held on regulated U.S. exchanges, with additional regulations addressing price swings and cybersecurity threats.
- The new policy seeks to assimilate crypto into traditional finance without compromising responsible lending practices.
- Fannie and Freddie are tasked with designing the framework, yet they have not provided a definitive timeline for the rollout.
- This initiative could enable crypto holders to secure mortgages without liquidating their holdings, potentially altering how lenders perceive digital assets.
The post Trump Administration Moves to Let Crypto Count Toward Mortgages appeared first on 99Bitcoins.
