Fannie & Freddie Told to Weigh Crypto in Mortgage Reviews

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Fannie Mae and Freddie Mac Told to Consider Crypto in Mortgage Reviews

Written by Aaron S.,

Editor-In-Chief

Last Updated: June 26, 2025

Key Takeaways

Fannie Mae and Freddie Mac have been asked to consider crypto as part of borrower reserves in mortgage applications;
Only verifiable crypto held on US-regulated exchanges would qualify, while self-custodied or offshore assets would not count;
The FHFA’s request supports President Trump’s push for US crypto leadership but does not change policy yet.

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Fannie Mae and Freddie Mac Told to Consider Crypto in Mortgage Reviews

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Fannie Mae and Freddie Mac have been directed to look into how cryptocurrency might be included when evaluating mortgage applications.

The instruction came from the Federal Housing Finance Agency (FHFA), which oversees both institutions.

In a letter sent on June 25 and later shared on X, FHFA Director William J. Pulte asked the two firms to come up with a proposal for counting certain digital assets as part of a borrower’s reserves. These reserves are used to help measure a person’s ability to repay a mortgage.

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Under this plan, applicants would not have to convert their crypto into US dollars for it to be considered.

Currently, most mortgage providers only accept reserves in traditional cash or easily sold assets. Crypto usually does not qualify unless it has already been exchanged for dollars. Pulte stated that the idea is to assess crypto directly, as long as it meets specific conditions.

According to the letter, only cryptocurrencies stored on US-regulated centralized exchanges will be eligible. These platforms must comply with all relevant laws, and the crypto must be verifiable. Digital assets kept in personal wallets or on overseas exchanges will not be included.

Pulte stated that this decision follows careful study and fits with President Donald Trump’s goal of boosting the country’s position in the global crypto industry. However, the FHFA is not making an immediate policy change.

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