US studies use of cryptocurrencies for mortgage qualification

• Cryptocurrencies could be included in mortgage credit assessments in the US
• FHFA Considers Bitcoin and Solana as Mortgage Assets
• Real estate regulator considers including crypto assets in mortgages

The US Federal Housing Finance Agency (FHFA) has announced that it will begin a study on how cryptocurrency assets can be used in the mortgage qualification process. The initiative was confirmed by the agency’s director, Bill Pulte, who published the statement via the X platform.

The FHFA oversees key institutions in the U.S. housing market, including Fannie Mae, Freddie Mac, and the Federal Home Loan Bank system. The inclusion of crypto assets in mortgage lending is a significant step toward integrating cryptocurrencies into the mainstream financial sector.

“We will be looking at the use of crypto assets as they relate to mortgage eligibility,” Pulte said, without providing details on the scope of the research, the digital assets considered or a timeline for completion of the study.

We will study the usage of cryptocurrency holdings as it relates to qualifying for mortgages.

— Pulte (@pulte) June 24, 2025

The measure may reflect a growing acceptance of cryptocurrencies in the institutional context, especially with the recent appreciation of assets such as Bitcoin and Solana, widely used as a store of value by investors with a diversified profile.

Bill Pulte was appointed to the position in March of this year, following a nomination made by former President Donald Trump in January. He has been involved in the crypto sector since 2019, having publicly announced the acquisition of 11 BTC at the time.

According to a financial report published in February, Pulte declared holdings of between $500.001 and $1 million in Bitcoin and Solana. In addition, he also holds shares in Marathon Digital Holdings (MARA), a company specializing in Bitcoin mining.

The possible inclusion of digital assets as part of the evaluation for real estate financing could represent a new paradigm in credit granting in the United States, impacting both the cryptocurrency industry and the traditional mortgage market.