A historic decision has been made in the US: Certain cryptocurrencies are being included in mortgages.

The Federal Housing Finance Agency, the federal regulatory agency that oversees the housing finance markets in the U.S., has issued instructions to consider cryptocurrencies when evaluating mortgage loan applications.

Accordingly, the two government-sponsored enterprises in the US that assess risk for mortgage loans, Fannie Mae and Freddie Mac, will now take into account the cryptocurrencies held by applicants when evaluating their eligibility for a mortgage loan.

Cryptocurrencies stored in regulated exchanges in the USA can be used

Previously, cryptocurrencies could not be taken into account for credit assessment without being converted to US dollars. With the new decision, they will also be considered directly as cryptocurrencies. However, the cryptocurrencies to be taken into account must be stored in regulated centralized exchanges in the US and have verifiable proof of ownership.

The decision will take effect from the date of publication, and institutions are requested to implement it as soon as possible.

From another perspective, cryptocurrencies have officially been recognized as reserve assets in the US housing finance system. For cryptocurrency investors, this creates the possibility of obtaining a mortgage loan without having to liquidate their cryptocurrencies. At the same time, it also strengthens the legal acceptance of cryptocurrencies in institutional and financial systems.

"A historic day!"

Bill Pulte, the head of FHFA, stated regarding the matter, "Today is a historic day in the cryptocurrency and mortgage sectors. Fannie Mae and Freddie Mac can now consider cryptocurrency assets in housing loans. Thanks to President Trump for making the U.S. the crypto capital of the world!"

Published: June 25, 2025 10:31 PMLast Updated: June 25, 2025 10:32 PM