Using Cryptocurrency to Get a Mortgage? Here’s What You Need to Know

• Major U.S. Mortgage Lenders Prepare to Accept Crypto as Assets in Mortgage Applications
• Could Open New Options for Those Wanting to Use Crypto to Buy a Home
• Fannie Mae and Freddie Mac to Develop Proposals on How It Will Work

In a move that could transform the market, homebuyers in the United States may soon be able to use cryptocurrency to strengthen their mortgage applications. A new directive aims for giants Fannie Mae and Freddie Mac to accept these digital assets as part of the process, paving the way for more modern and accessible financing for those holding crypto savings.

Cryptocurrency: A Historic Shift in the Mortgage Market

The decision marks a radical change after years of restrictions. Under President Joe Biden’s administration, Fannie Mae and Freddie Mac prohibited considering cryptocurrency income when qualifying for a mortgage due to market volatility and regulatory uncertainty.

Now, Bill Pulte, Director of the Federal Housing Finance Agency (FHFA), has made an unexpected pivot. “Today I ordered Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage,” he announced on social media. These entities back over half of U.S. mortgages and help ensure liquidity in the housing market.

After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.

SO ORDERED pic.twitter.com/Tg9ReJQXC3

— Pulte (@pulte) June 25, 2025

The change also aligns with President Trump’s vision of making the United States the world’s crypto capital. Once skeptical, Trump now promotes crypto adoption and even owns his own digital token, as well as a stake in a company in the sector.

Using Cryptocurrency to Get a Mortgage

For the Hispanic community in the U.S.—many of whom have crypto savings or send remittances—the possibility of using cryptocurrency to access a mortgage could be a significant shift. It would allow these assets to be included in applications without having to convert them to dollars, avoiding losses from exchange rates or additional taxes.

• But caution is needed: the volatility of Bitcoin and other cryptocurrencies continues to raise concerns among regulators. Even if accepted as assets, discounts or value adjustments might be applied to offset the risks of price fluctuations.

Impact on Financial Decisions

If you’re planning to buy a home and hold crypto investments, it’s wise to keep a close eye on how these new rules are defined. You could leverage your digital portfolio to boost your purchasing power without cashing out.

However, experts warn that adopting cryptocurrency in mortgages could end up raising interest rates for everyone. Investors might demand higher returns if they perceive greater risk, potentially driving up borrowing costs and making homeownership more difficult—especially for first-time buyers.

What the Director of the Federal Housing Finance Agency Says

Bill Pulte explained:

• “This directive aligns with Trump’s vision to make the United States the crypto capital of the world.”
• He also clarified that Fannie Mae and Freddie Mac must “consider additional risk mitigants based on their own assessments, including adjustments for market volatility.”

What’s Next

For now, Fannie Mae and Freddie Mac must design detailed proposals to accept cryptocurrency as assets in mortgage applications. These proposals will require formal approval from their boards and from the FHFA.

Although there’s no official timeline yet, intense debate is expected over system stability and equitable access to housing. Meanwhile, home prices remain at record highs, and mortgage rates continue to stay elevated.