A bill recently introduced in the U.S. House of Representatives could change how crypto holders apply for mortgages by allowing digital assets like Bitcoin to be counted during credit evaluations.
Filed on July 14, 2025, by Rep. Nancy Mace of South Carolina, the bill proposes a shift in underwriting practices to include crypto assets held in brokerage-linked accounts.
Currently, digital holdings are mostly ignored in mortgage assessments, which rely heavily on traditional financial metrics like bank balances and tax records. If passed, the bill would require lenders and federal agencies to recognize Bitcoin and other crypto assets when assessing mortgage eligibility.
The legislation has been referred to the House Financial Services and Veterans Affairs Committees and is still in its early stages. The measure would apply to any digital asset stored through a brokerage affiliated with a crypto exchange, prompting regulators to establish new criteria for acceptable platforms.
The proposal echoes recent comments by FHFA Director Bill Pulte, who indicated plans to bring crypto into the mortgage process. ARK Invest CEO Cathie Wood has praised the idea, saying it could help younger crypto-savvy buyers secure home loans.
Veterans may also benefit, as the bill includes provisions to expand crypto recognition within VA-backed mortgage applications. However, before becoming law, the bill must pass both chambers of Congress and be signed by President Donald Trump.
Alexander Zdravkov
Reporter at Coindoo
Alexander Zdravkov is a person who always looks for the logic behind things. He is fluent in German and has more than 3 years of experience in the crypto space, where he skillfully identifies new trends in the world of digital currencies. Whether providing in-depth analysis or daily reports on all topics, his deep understanding and enthusiasm for what he does make him a valuable member of the team.
Source: https://coindoo.com/new-u-s-bill-aims-to-include-bitcoin-in-mortgage-applications/