In a major move toward broader cryptocurrency integration, the U.S. government has taken an unexpected step in the housing sector. The Federal Housing Finance Agency (FHFA) has officially directed Fannie Mae and Freddie Mac—two of the nation’s largest government-sponsored mortgage entities—to begin acknowledging cryptocurrency holdings as legitimate assets in home loan applications.
FHFA Director Bill Pulte shared the update on platform X (formerly known as Twitter), stating that the decision follows extensive analysis and aligns with President Trump’s vision of establishing the U.S. as the global leader in crypto innovation. As a result, both Fannie Mae and Freddie Mac must now adapt their systems to accommodate cryptocurrency within mortgage assessment processes.
In practical terms, this means that digital assets like Bitcoin, Ethereum, or XRP may now be factored into your financial portfolio when applying for a mortgage supported by Fannie Mae or Freddie Mac.
This development is significant as it’s the first instance where U.S.-backed mortgage institutions have formally acknowledged crypto as a valid financial asset. Previously, digital currencies were generally viewed as either too volatile or too unfamiliar for use in conventional financial instruments such as home loans.
With this updated policy, millions of American crypto investors may now have the opportunity to leverage their digital holdings when applying for mortgages. It signals a growing shift toward mainstream acceptance of crypto by major financial institutions.
This shift is expected to pressure major private institutions such as JPMorgan, Bank of America, and Wells Fargo to adopt similar policies. As government-supported entities embrace crypto, private banks will likely act quickly to stay competitive. This could pave the way for a wave of new crypto-focused financial offerings, including innovative loans and digital asset services.
Additionally, many speculate that banks may introduce their own stablecoins and broaden offerings like crypto trading and asset custody to better serve their clients.
