The US real estate market is about to undergo a disruptive transformation. The Federal Housing Finance Agency (FHFA) has announced a new policy stating that crypto assets will be included as legitimate assets for mortgage applications. This move allows loan applicants to directly use Bitcoin, Ethereum, and other crypto assets from their exchange accounts without the need to convert them into fiat currency in advance.

The policy is expected to be officially implemented on June 25, 2025. FHFA Director William Pulte stated that this decision is in response to the strategic goal of making the United States a global Crypto Assets center. According to the new regulations, Fannie Mae and Freddie Mac need to develop feasible plans that allow borrowers to use Crypto Assets from regulated exchanges as proof of assets when applying for home loans.

This policy change may have far-reaching effects on the real estate market. For young investors who hold a large amount of Crypto Assets but have little traditional savings, this undoubtedly opens a new door of opportunity. They will be able to enter the real estate market more easily, without having to go through a cumbersome asset exchange process.

However, in order to balance innovation and risk, the policy also establishes corresponding control mechanisms. Only the crypto assets held in exchanges regulated by the United States can be recognized, and these assets must meet certain stability and liquidity requirements. In addition, lending institutions must also assess the volatility of the assets and develop dynamic underwriting models.

The introduction of this policy marks a historic step towards the integration of the traditional financial system and the digital financial world. Considering the dominant position of Fannie Mae and Freddie Mac in the $6 trillion mortgage market in the United States, the FHFA's decision will undoubtedly accelerate the deep integration of digital finance and traditional finance.

Some blockchain real estate service providers even view this as "the starting point of the most significant decentralized financial revolution in the real estate sector". This policy not only reflects the recognition of regulatory bodies towards Crypto Assets but also heralds the comprehensive arrival of the digital economy era. In this new era, the functions of digital wallets will no longer be limited to purchasing Crypto Assets but will expand into the realm of physical asset transactions.

With the gradual implementation of policies, we may witness further integration of Crypto Assets with the traditional financial system, which will undoubtedly inject new vitality into financial innovation and economic development.