Breaking: $8 Trillion U.S. FHFA Recognises Bitcoin For Mortgages

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The U.S. Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to recognize cryptocurrencies, including Bitcoin, as an asset for mortgage assessments. This decision, signed on June 25, has the potential to reshape how crypto assets are viewed in the U.S. housing finance system.

Bitcoin Recognised as an Asset for Mortgage

The FHFA has issued a directive instructing the two major government-sponsored enterprises (GSEs) — Fannie Mae and Freddie Mac — to include cryptos in their mortgage risk assessments. These GSEs have long played a central role in the U.S. housing market, ensuring liquidity and stability for residential mortgages.

According to U.S. Director of Federal Housing FHFA William Pulte, under the new guidelines, crypto assets that are stored on U.S.-based, regulated exchanges will be considered in evaluating borrowers’ financial status for single-family housing loans.

The directive aims to expand the scope of assets considered in the mortgage lending process, potentially increasing flexibility and liquidity. FHFA Director William J. Pulte emphasized that this move is in line with efforts to provide more sustainable homeownership opportunities.

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Kelvin Munene Murithi
Kelvin Munene is a crypto and finance journalist with over 5 years of experience, offering in-depth market analysis and expert commentary . With a Bachelor's degree in Journalism and Actuarial Science from Mount Kenya University, Kelvin is known for his meticulous research and strong writing skills, particularly in cryptocurrency, blockchain, and financial markets. His work has been featured across top industry publications such as Coingape, Cryptobasic, MetaNews, Cryptotimes, Coinedition, TheCoinrepublic, Cryptotale, and Analytics Insight among others, where he consistently provides timely updates and insightful content. Kelvin’s focus lies in uncovering emerging trends in the crypto space, delivering factual and data-driven analyses that help readers make informed decisions. His expertise extends across market cycles, technological innovations, and regulatory shifts that shape the crypto landscape. Beyond his professional achievements, Kelvin has a passion for chess, traveling, and exploring new adventures.
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