Mortgage Rule Change Adds Crypto. What Homebuyers Should Know

Crypto to Count in Mortgage Approvals Under New Federal Housing Rule

In a seismic shift for U.S. housing policy, the Federal Housing Finance Agency has ordered Fannie Mae and Freddie Mac to find ways to treat cryptocurrency as a legitimate reserve asset in mortgage risk assessments. Signed June 25, 2025, by FHFA Director William J. Pulte, the order means that Bitcoin and a short list of compliant crypto holdings could soon help borrowers qualify for…

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