In a groundbreaking policy shift, the U.S. Federal Housing Finance Agency (FHFA) has issued a directive instructing Fannie Mae and Freddie Mac to evaluate the inclusion of cryptocurrency holdings in mortgage risk assessments.
The move could dramatically reshape how digital assets are treated in the American housing finance system.
The decision, issued under FHFA Decision No. 2025-360, directs the two government-sponsored enterprises to prepare frameworks that consider crypto assets—without converting them to U.S. dollars—as part of the risk evaluation process for single-family mortgage loans.
The policy was unveiled publicly by real estate investor and government official Bill Pulte, who noted that the move aligns with former President Donald Trump’s ambition to make the United States “the crypto capital of the world.” Pulte stated that the goal is to allow borrowers to use their cryptocurrency holdings as part of their mortgage eligibility profile, potentially opening doors for a broader segment of Americans to access homeownership.
Historically, crypto assets have been excluded from the mortgage risk assessment process, unless converted into fiat currency. This directive marks a notable departure from that norm, signaling a potential integration of digital wealth into traditional financial frameworks.
Cathie Wood, CEO of ARK Invest, commented on the development, saying it could “bolster both crypto and housing significantly,” and warned that the long-term implications are not yet fully understood. ARK Invest analysts are expected to provide deeper insights into the policy in their upcoming ARK Disrupt newsletter.
The FHFA emphasized that including crypto in asset evaluations could give lenders a more complete view of a borrower’s financial profile and improve credit access for borrowers with non-traditional wealth. By treating crypto as a reserve asset rather than requiring conversion, the agency hopes to modernize mortgage lending in a way that reflects today’s digital economy.
Alexander Stefanov
Reporter at Coindoo
Alex is an experienced finance journalist and a cryptocurrency and blockchain enthusiast. With over 8 years of experience covering the crypto, blockchain and fintech industries, he deeply understands the complex and constantly evolving world of digital assets. His insightful and thought-provoking articles provide readers with a clear picture of the latest developments and trends in the market. His passionate approach allows him to break down complex ideas into accessible and insightful content. Follow up on his content to be up to date with the most important trends and topics.
Source: https://coindoo.com/cathie-wood-says-new-u-s-housing-crypto-policy-could-be-a-game-changer/