US Housing Agency Signals Support for Bitcoin in Mortgage Payments AllinCrypto June 26, 2025
The Federal Housing Finance Agency (FHFA) has proposed that Bitcoin be recognized as a valid financial asset for mortgage approvals.
This move could mark a significant shift in how cryptocurrency is integrated into the U.S. housing system for potential home buyers.
William Pulte, Director of the FHFA and overseer of key government enterprises such as Fannie Mae and Freddie Mac, has encouraged the initiative.
Housing agencies to consider Bitcoin and crypto holdings for mortgage payments
William Pulte, director of the FHFA, has called for housing agencies and banks to consider Bitcoin and other cryptocurrencies when evaluating mortgage applicants.
His remarks suggest a broader push to modernize mortgage risk assessment models by including digital assets.
Fannie Mae and Freddie Mac, both created by Congress, play a central role in the U.S. mortgage market. They are both responsible for promoting access to affordable housing while maintaining the overall stability and liquidity of the housing system.
Incorporating cryptocurrency into this framework could provide new pathways for homeownership, especially among crypto investors.
Notably, the FHFA has advised that cryptocurrencies used in mortgage assessments should not be required to be converted into US dollars. Instead, the agency suggests that crypto assets listed on exchanges regulated within the United States may qualify under new proposed guidelines.
Crypto holdings influence policymaking
Reports also indicate that Pulte’s interest in cryptocurrency may be partly personal. Public financial disclosures reveal that his household holds approximately $1 million in Bitcoin and $500,000 in Solana.
With traditional banking barriers often preventing crypto holders from accessing home loans, these changes could pave the way for greater inclusion. Some experts expect an increase in mortgage approvals among cryptocurrency investors if such recommendations are widely adopted.
Despite rising awareness, adoption remains relatively low. A recent survey by the National Association of Realtors found that only 1% of homebuyers used proceeds from cryptocurrency sales to fund a down payment.
Michael Saylor, CEO of MicroStrategy responded to the FHFA’s stance, calling it “a defining moment for institutional Bitcoin adoption.”
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