Trump Administration Moves to Let Crypto Count Toward Mortgages

The Trump administration is paving the way for cryptocurrency to enter the mortgage market. The Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to develop systems that incorporate crypto holdings into mortgage applications. Borrowers using regulated U.S. platforms may soon see their digital assets factored into underwriting processes, potentially expanding access to home loans.

This marks a significant shift in traditional finance, signaling regulators' growing acceptance of crypto as a legitimate component of personal wealth. While lenders currently require crypto to be converted to cash due to volatility concerns, the FHFA's directive challenges this norm. "After significant study, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage," the agency stated.

The MOVE reflects broader institutional adoption of digital assets, blending innovation with established financial systems. As policy evolves, crypto's role in demonstrating financial strength could reshape lending practices nationwide.