BREAKING: U.S. Lawmakers Push to Include Bitcoin in Mortgage Approvals—Crypto Just Got Closer to Mainstream Finance
Washington shakes up real estate—digital assets may soon weigh in your homebuying power.
Bitcoin Breaks Into Mortgages
Lawmakers draft bill allowing BTC holdings as qualifying assets for loan approvals. No more begging banks to ignore your ‘risky’ crypto portfolio—if passed, your Satoshi stash could help secure that white picket fence.
The Fine Print
Proposal targets GSEs (Fannie, Freddie) to recognize Bitcoin as collateral. Volatility? ‘Managed’ via undisclosed safeguards (read: Wall Street still gets to hedge). Critics mutter about 2008 flashbacks—but hey, at least this bubble glows blockchain-green.
Why This Matters
Mainstream adoption isn’t ETFs and tweets anymore. This hooks crypto directly into the American Dream™—with all the leverage and heartburn that entails. Just don’t tell your Boomer mortgage broker about your 2022 Luna bags.
*Closer*: When lambo? When house—funded by your diamond-handed HODLs. Unless the SEC classifies your cold wallet as a security mid-escrow.
TLDR
- A new bill introduced in the U.S. House aims to include Bitcoin and other cryptocurrencies in mortgage evaluations.
- The bill would require lenders to consider digital assets held in brokerage accounts when assessing mortgage eligibility.
- The proposed legislation could help borrowers with crypto holdings improve their chances of securing a home loan.
- The bill includes provisions for veterans, allowing their crypto holdings to count in VA-backed mortgage evaluations.
- If passed, the bill will update underwriting systems across agencies to reflect the growing role of digital assets.
A new bill introduced in the U.S. House of Representatives on July 14, 2025, could change the mortgage industry. Representative Nancy Mace of South Carolina filed the bill, H.R. 4374. It proposes that mortgage lenders consider Bitcoin and other cryptocurrency holdings when evaluating borrowers for home loans.
Bill Seeks To Include Bitcoin and Other Cryptos in Mortgage Evaluations
Under current regulations, digital assets like Bitcoin are not recognized in traditional mortgage evaluations. Lenders typically assess cash balances, tax returns, and bank accounts during the underwriting process. However, H.R. 4374 seeks to change that by including Bitcoin and other digital currencies in the list of acceptable assets for loan consideration.
If passed, the bill would require agencies to update their underwriting systems to account for cryptocurrency holdings stored in brokerage accounts. This would allow borrowers with bitcoin or other cryptocurrencies to use those assets to improve their eligibility for mortgages. The change would apply to all digital assets held in brokerage accounts connected to crypto exchanges.
Bill’s Potential Impact on Veterans and the Mortgage Industry
The bill also includes provisions affecting the Department of Veterans Affairs. Veterans who apply for VA-backed mortgages could benefit from including Bitcoin and other crypto holdings in their credit evaluations, which could potentially improve mortgage access for military service members involved in the cryptocurrency space.
The bill has been forwarded to both the House Financial Services Committee and the Veterans Affairs Committee for further consideration. However, it is still in the early stages and requires approval from both the House and Senate before it can be signed into law by President Donald Trump.
The introduction of this bill aligns with broader efforts to include digital assets in the financial system. In June 2025, Bill Pulte, the Director of the Federal Housing Finance Agency, announced plans to consider crypto holdings in the mortgage process. Cathie Wood, CEO of ARK Invest, believes this will significantly boost Bitcoin’s role in finance and make homeownership more accessible to younger investors.
