The U.S. Federal Housing Finance Agency (FHFA) is launching a review to determine whether digital assets such as Bitcoin should be factored into mortgage qualification criteria.
FHFA Director Bill Pulte announced the move on X, signaling a potential shift in how crypto holdings are treated in the traditional housing finance system.
Bitcoin May Factor Into Mortgage Applications
The review will examine how cryptocurrencies might be incorporated into the asset and wealth evaluations used by federally backed mortgage giants like Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. These institutions underpin the majority of home loans issued across the United States, meaning any policy shift could have significant national impact.
The proposal comes as Bitcoin trades above $105,000 and digital assets continue gaining traction among retail and institutional investors alike.
Sign of Growing Financial Integration
If successful, the move could mark a milestone in the integration of crypto into mainstream financial assessments. By considering Bitcoin and similar assets as part of an individual’s wealth profile, mortgage applicants with significant digital holdings could gain improved access to federally backed home financing.
This development aligns with broader trends across financial regulation and banking, as crypto is increasingly acknowledged as a legitimate store of value and investment class.
Details Still Unclear
While the FHFA has confirmed the review, Director Pulte did not disclose specifics about the timeline, scope, or which digital assets may be included in the evaluation. It also remains to be seen how crypto volatility and custodianship will be addressed within the framework of mortgage underwriting.
The study is in its early stages, but its outcome could reshape how homeownership is financed in a digitizing economy.
Kosta Gushterov
Reporter at Coindoo
Kosta has been a part of the team since 2021 and has solidified his position with a thirst for knowledge, incredible dedication to his work and a “detective-like” mindset. He not only covers a wide range of trending topics, he also creates reviews, PR articles and educational content. His work has also been referenced by other news outlets.
Source: https://coindoo.com/us-housing-agency-eyes-crypto-holdings-for-mortgages/