Bill Pulte, under the direction of the FHFA, is exploring the integration of cryptocurrencies into mortgage eligibility, a potentially historic first in the United States.
The United States Could Embrace Crypto in Mortgages
The head of American real estate is delving into cryptocurrencies. Bill Pulte, the new director of the Federal Housing Finance Agency (FHFA), has announced that the agency will consider including cryptocurrency holdings in the mortgage eligibility process.
This declaration may seem insignificant, but it carries weight. The FHFA oversees Fannie Mae and Freddie Mac, two cornerstones of housing finance in the United States, as well as the Federal Home Loan Banks. In other words, what the FHFA decides directly impacts millions of American households and billions of dollars in loans.
Cryptos Soon in Your Loan Application?
Up to now, cryptocurrency holders were often disregarded by banks when applying for mortgages. Even a well-stocked Bitcoin or stablecoin portfolio was not enough to reassure these institutions. But the era of disregard appears to be coming to an end.
We will study the usage pf cryptocurrency holdings as it relates to qualifying for mortgages.
— Pulte (@pulte) June 24, 2025
“We will study the usage of cryptocurrency holdings in relation to mortgage qualification,” Pulte stated on X (formerly Twitter) this Tuesday. No details have been disclosed yet about the terms of this study, the cryptocurrencies involved, or the timeline.
A Crypto-Friendly Director, More Than Just Words
Bill Pulte is no stranger to the ecosystem. Heir to a real estate empire and active philanthropist, he has been interested in Bitcoin since 2019. At that time, he announced the purchase of 11 BTC. In February 2025, his statement of assets revealed that he still holds between $500,001 and $1 million in Bitcoin and Solana, as well as shares of the mining company MARA Holdings.
His appointment in March by Donald Trump, who returned to power, signifies a clear shift for the FHFA: a return to a more “pro-risk,” tech-savvy vision, firmly in favor of financial innovation.
Towards a Complete Normalization of Digital Assets?
This initiative could have significant implications. Integrating cryptocurrencies into loan applications means recognizing their value as a reliable asset reserve, just like traditional savings. This would open access to credit for a new generation of investors, often excluded from the traditional system.
However, it won’t be easy. Defining which tokens are eligible, assessing their volatility, and especially preventing abuse will be necessary. A regulatory puzzle, but also a unique opportunity to modernize a system that has been stagnant for decades.
A New Door Opens for Adoption
If the FHFA follows through on this consideration, it would be a global first on this scale. And a step closer to the widespread adoption of crypto as a cornerstone of the financial system.
It’s not yet a revolution, but it’s slowly taking shape.
