BREAKING: U.S. Lenders May Soon Accept BTC, ETH, XRP for Mortgages—Crypto Just Got Real

Wall Street's about to get a blockchain facelift. The U.S. mortgage industry—known for moving at the speed of dial-up—is finally eyeing crypto assets as legitimate collateral. Could 2025 be the year your Bitcoin stash buys you a penthouse?

From Meme to Mortgage

Regulators are quietly testing the waters. If approved, this would mark the first time digital assets get equal footing with traditional securities in housing finance. No more liquidating your ETH at fire-sale prices just to qualify for that 30-year fixed.

The Fine Print

Expect brutal volatility clauses. Lenders won't risk another Luna-style collapse wiping out their collateral overnight. Stablecoins might get VIP treatment while altcoins face haircuts worthy of a Wall Street hedge fund.

Bankers Hate This One Trick

Nothing terrifies traditional lenders like decentralized finance cutting out their 3% origination fees. Watch for 'accidental' system outages whenever crypto-backed applications spike.

The revolution won't be centralized—but your mortgage might be. Just try not to laugh when your loan officer asks if you 'HODL through corrections.'

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The Housing Finance Agency has issued a directive ordering Fannie Mae (FNMA) and Freddie Mac (FMCC) to formally consider crypto as an asset in single-family mortgage assessments. The new order directs both housing finance agencies to develop proposals that include digital assets without requiring borrowers to liquidate them into U.S. dollars prior to a home loan closing.

The move is being viewed as a new era of crypto integration into traditional finance and comes as the administration of U.S. President Donald Trump pushes to legitimize digital assets such as Bitcoin (BTC), ethereum (ETH), and XRP (XRP).

New Approach

The U.S. Federal Housing Finance Agency said in a social media post that the MOVE aligns with President Trump’s efforts “to make the United States the crypto capital of the world.” Historically, cryptocurrency has been excluded from consideration in loan and mortgage applications due to its volatility and price swings, as well as the inability to easily verify reserves.

That approach is now changing as the U.S. federal government and institutions embrace crypto across banking, payments, and as policy. “Cryptocurrency is an emerging asset class that may offer an opportunity to build wealth outside of the stock and bond markets,” states the U.S. Federal Housing Finance Agency’s order.

The new directive restricts crypto mortgage consideration to digital assets that are stored on U.S.-regulated, centralized exchanges and can be clearly verified. It also requires Fannie Mae and Freddie Mac to develop internal adjustments to account for crypto’s market volatility. Bitcoin, the largest cryptocurrency by market capitalization, has gained 11% this year.

Is BTC a Buy?

Most Wall Street firms don’t offer ratings or price targets on cryptocurrencies such as Bitcoin, so we’ll look instead at its three-month performance. As one can see in the chart below, the price of BTC has risen 20.43% in the last 12 weeks.