Could Crypto Become a Part of the U.S. Home Mortgage Industry?

[Webster]

(10 Nov. 2025) Buying a home can be expensive. Until now, the roughly 15% of Americans who invest in digital assets haven’t been able to include crypto when applying for a mortgage, but that could soon change. A June directive issued by the Federal Housing Finance Agency ordered mortgage giants Fannie Mae and Freddie Mac to develop proposals to consider crypto as an asset in single-family home risk assessments. CNBC explores the pros and cons of this directive and what will change if it is enacted.

Chapters
0:00 Introduction
2:20 Chapter 1: FHFA's crypto proposal
6:43 Chapter 2: Housing market risks
9:36: Chapter 3: Will it become law?

 

[Nomad]

I think it can be but since crypto is very volatile and can easily crash one wrong policy from the government, it is very risky.

 

[Kross]

With a pro crypto government like that of Trump, I don't have any doubt that crypto assets can be part of the valuation for mortgage.

 

[Starmix]

It can happen but everyone must be extra cautious because of its volatility. Investing in crypto is challenging and overwhelming.

 

[Augusta]

Yes you I believe crypto can secure a mortgage. A crypto-backed mortgage works much like a traditional loan, but with bitcoin or stablecoin.