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- Anjali Belgaumkar
Anjali Belgaumkar
Writer by choice, CryptoCurrency Writer, and Researcher by chance. Currently, focusing on financial news and analysis, as well as cryptocurrency news and data. One may not call me a crypto “Enthusiast” but trust me I'm getting there.
- Reviewed by:
Qadir AK
Qadir Ak is the founder of Coinpedia. He has over a decade of experience writing about technology and has been covering the blockchain and cryptocurrency space since 2010. He has also interviewed a few prominent experts within the cryptocurrency space.
- Jun 26, 2025 04:03 UTC
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Will Your Bitcoin Help You Qualify for a Home Loan Now? Trump Just Said Yes
FHFA orders Fannie Mae and Freddie Mac to accept crypto assets in mortgage applications, marking a historic shift in U.S. housing policy.
Crypto now recognized as a financial asset for home loans, paving the way for broader adoption by banks and financial institutions.
In a big step for cryptocurrency adoption, the U.S. government has made a surprising move in the housing market. The Federal Housing Finance Agency (FHFA) has officially ordered Fannie Mae and Freddie Mac, two of America’s biggest government-backed mortgage companies, to start recognizing cryptocurrency as an asset when people apply for home loans.
On social media platform X (formerly Twitter), FHFA Director Bill Pulte announced this decision. He explained that after careful study, and in line with President Trump’s goal to make the U.S. the crypto capital of the world, both Fannie Mae and Freddie Mac must now prepare their businesses to accept cryptocurrency as part of mortgage applications.
In simple terms, this means that if you own crypto like Bitcoin, Ethereum, or XRP, it could be counted as part of your assets when applying for a mortgage backed by Fannie Mae or Freddie Mac.
Why This Matters
This is important because it marks the first time U.S. government-supported mortgage firms have officially recognized crypto as a financial asset. Until now, crypto was often seen as too risky or too new for traditional financial products like home loans.
Now, with this new rule, it could open the door for millions of crypto holders in the U.S. to use their digital assets to qualify for mortgages. It’s another clear sign that crypto is becoming more mainstream and accepted by big institutions.
What’s Next?
This move will likely push private banks like JPMorgan, Bank of America, and Wells Fargo to follow suit. If government-backed firms are doing it, the private sector won’t want to be left behind. This could lead to new crypto-related financial products, loans, and services in the near future.
There’s also talk of banks launching their own stablecoins and expanding crypto services like trading and custody for their customers.
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FAQs
The FHFA is an independent U.S. federal agency that supervises and regulates Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, ensuring a stable and liquid mortgage market.
Yes, the FHFA has ordered Fannie Mae and Freddie Mac to recognize cryptocurrency as an asset for mortgage applications, meaning your crypto holdings could help you qualify.
This move is expected to pressure private banks like JPMorgan, Bank of America, and Wells Fargo to offer similar crypto-related financial products, loans, and services.
Yes 
No 
