Trump Administration Moves to Let Crypto Count Toward Mortgages

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The Trump administration is opening the door for cryptocurrency to play a role in the mortgage market. On June 25, the Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac to begin developing systems that allow borrowers to count crypto holdings when applying for a mortgage. If regulated U.S. platforms hold the assets, lenders could factor them into the underwriting process, potentially helping more Americans qualify for home loans.

It is a shift that blends digital assets with traditional finance in a way that would have seemed unlikely just a few years ago. Although the new policy is still in the early stages, it sends a clear message: regulators are taking crypto seriously as part of personal finance.

Crypto’s Role in Underwriting Is Changing

In most cases today, lenders ask borrowers who own crypto to sell it and convert it to cash before using it to show financial strength. The logic is that crypto is too volatile, and lenders prefer assets that are more predictable in value. That may still be true, but the FHFA says it is time to reconsider how digital assets fit into mortgage eligibility.

After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.

SO ORDERED pic.twitter.com/Tg9ReJQXC3

— Pulte (@pulte) June 25, 2025

Director William Pulte said the move reflects the administration’s larger strategy to bring crypto into the financial mainstream. The idea is not to ignore the risks but to find a way to factor in crypto holdings while still maintaining responsible lending standards. Under this approach, lenders would apply extra scrutiny to account for price swings and cybersecurity concerns.

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What Fannie and Freddie Are Being Asked to Do

Fannie Mae and Freddie Mac do not issue loans directly, but they back a large portion of the U.S. mortgage market. Their role in this plan is to create a new framework that allows lenders to consider crypto as part of a borrower’s financial profile. Lenders must ensure that the assets are held with regulated U.S. exchanges and properly account for how quickly crypto values can change.

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At this point, there is no final timeline for when the rules will be in place. The agencies are being asked to develop the details and submit them for review. Any full rollout would require more steps and formal approval.

Reactions Are Mixed

Some in the mortgage industry are calling it a necessary update. The Mortgage Bankers Association has said it welcomes efforts to modernize asset verification, especially as more people hold wealth in nontraditional formats. But others are raising questions. Amanda Fischer of Better Markets pointed out that crypto can swing wildly in value, making it risky to include in lending decisions. She also raised concerns about what happens if assets disappear due to fraud or exchange failure.

That tension between innovation and caution is likely to define how this process unfolds.

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What This Means for Borrowers

If the plan moves forward, it could make it easier for crypto holders to access mortgage credit without having to liquidate their assets. That may appeal to borrowers who are reluctant to sell during market dips or who want to keep long-term positions intact.

The next few months will be important as Fannie Mae and Freddie Mac work through the operational side. Lenders will also need to update their systems, and regulators will watch closely to see how this plays out in practice. If it works, it could prompt one of the most conservative corners of the financial system to change how it views crypto.

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Key Takeaways

The Trump administration has directed Fannie Mae and Freddie Mac to explore counting crypto holdings toward mortgage eligibility.

Crypto assets will only qualify if held on regulated U.S. exchanges, with extra rules to address volatility and cybersecurity risks.

The new policy aims to integrate crypto into traditional finance without undermining responsible lending standards.

Fannie and Freddie must develop the framework, but they have not set a final timeline or rollout date yet.

This move may help crypto holders qualify for loans without liquidating assets. It could lead lenders to change how they treat digital wealth.

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