Federal directive orders inclusion of crypto assets in mortgage requests, potentially impacting U.S. homebuyers

From Yahoo Finance: 2025-06-26 17:13:00

The Trump administration has pushed for the U.S. to become the “crypto capital of the world” by implementing pro-crypto policies, including considering a strategic Bitcoin reserve. Now, a new directive from the FHFA orders Fannie Mae and Freddie Mac to include cryptocurrency assets in mortgage requests without conversion to USD.

This move by the federal housing regulator signifies a broader acceptance of crypto assets in the U.S., with Fannie Mae and Freddie Mac directed to explore using crypto reserves in mortgage risk assessments. However, the directive warns against considering cryptocurrencies stored on non-U.S.-regulated exchanges.

Billionaire entrepreneur Michael Saylor praised the FHFA’s decision to incorporate cryptocurrency assets into mortgage requests, while some users expressed disappointment over the preference for assets held on centralized exchanges. This shift could potentially change the landscape for U.S. homebuyers seeking loans.

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