In the latest Bitcoin news, the Federal Housing Finance Agency (FHFA) in the U.S. is also reportedly considering the possibility of making Bitcoin USD a verified asset on which mortgageS can be given.
This possible action implies that Bitcoin will be recognized soon besides conventional properties such as shares and money when filing applications in the United States U.S. home loans. Analysts are monitoring the development amid growing institutional interest in digital assets.
Bitcoin News: FHFA is Exploring Bitcoin as a Valid Asset for Mortgage Approvals
The FHFA, which supervises Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, is studying how cryptocurrency holdings could factor into mortgage applications.
If adopted, this policy shift would allow Bitcoin USD holders to list their crypto assets during the mortgage underwriting process.
This will ease access to credit for digitally native investors. FHFA Director William J. Pulte has confirmed that the agency is now reviewing how to incorporate crypto into the asset evaluation framework.
Mortgage underwriters traditionally evaluate borrowers on three basic categories of credit, capacity, and collaterals.
Some of the assets used to determine the financial position of the borrower have included reserves in cash or form of equity as well as retirement funds.
So far, digital assets have not been included since they are volatile and few regulators provide regulations to guide them.
The FHFA’s ongoing review could introduce Bitcoin USD as a “fourth C,” altering the mortgage qualification landscape in the U.S.
Market Response: Analysts Watch $135K Bitcoin USD Target
As it is, analysts are already evaluating how the possible change to FHFA policy will affect BTC price patterns with the bullish Bitcoin news.
The immediate Bitcoin price formation, per Ted Pillows, demonstrated a Wyckoff accumulation phase that started off on June 22.
The model implied that there is accumulation above the $106,220 level. Institutional investors may be accumulating with the anticipation of a break-out as well.
In the event that Bitcoin price can maintain its present support and continue above the levels of $125,209, the next target stands at $135,000.
This Bitcoin USD chart pattern is supported by bigger macro liquidity shifts, such as the growing global M2 money supply.
The analysis by Ted Pillows compared liquidity metrics with Bitcoin price. High level of liquidity correlates with bullish actions were observed previously.
In case the FHFA development grows into official policies, the institutional capital may be promoted further, providing an additional boost to the current Bitcoin USD upward structure.
As the bullish Bitcoin news breaks down, the best crypto price has also breached the $105,000 mark, up by 4% within the last 24 hours.
The chart shows a strong recovery from the $101.5K level, followed by a steady upward trajectory, signaling buyer confidence.
Crypto Holdings May Soon Count in Home Loan Applications
For many U.S. borrowers, crypto holdings remain sidelined in traditional financial assessments. Even individuals with considerable digital asset portfolios are often required to convert their holdings into fiat and “season” the funds in a bank account before they can be considered in mortgage applications.
The bullish Bitcoin news on FHFA’s exploration could mark the beginning of a shift toward a more inclusive view of wealth.
In case the status of Bitcoin USD as an eligible asset is officially confirmed, the mortgage procedure might be made available to a new layer of investors.
This would especially favor people who amassed fortunes on crypto markets. It can also stimulate the use of fintech lenders and banks to embrace some form of underwriting model to be in tune with changing asset trends.
Amid the rising usage of Bitcoin among American states, Texas is also establishing itself as a pioneer with regard to a prospective strategic Bitcoin reserve.
With the recent legal clarity provided by HB 4488 as well as stablecoin regulation, the movement is a sign of digital assets integration.
Source: https://www.thecoinrepublic.com/2025/06/25/bitcoin-news-u-s-housing-regulator-eyes-mortgage-approval-use/