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Mortgage in the USA: cryptocurrencies are preparing a place in the financial system


六月, 26 2025
watermark Economic news

American regulators are developing new rules allowing the use of cryptocurrency to obtain a mortgage without converting it into fiat. 


The US Federal Housing Finance Agency (FHFA) has ordered Fannie Mae and Freddie Mac to take into account borrowers' crypto assets when assessing mortgage risks. The decree signed on June 25 introduces the digital currency into the legal field of housing loans. These publicly funded corporations handle over 50% of mortgage decisions in the United States, and their policies set market standards.


According to the FHFA, in 2023-24, only about 1% of buyers used cryptocurrency for a down payment, although 20% of Americans have crypto portfolios. The new rules may expand access to mortgages in expensive housing conditions.


By the end of August, Fannie Mae and Freddie Mac are expected to submit pilot accounting schemes for cryptocurrencies. Banks will need to update their IT platforms to verify wallets and account for asset volatility. Experts are confident that a successful experiment will make crypto assets a standard part of mortgage applications, along with stocks and bonds.



    






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外汇本质上有高度的投机性和复杂性,可能并不适合所有投资者。 外汇交易可能会带来重大的收益或损失。 因此,建议您不要承担无法承受的损失。 在使用ForexMart提供的服务之前,请确认外汇交易相关联的风险。 必要时寻求独立的财务意见。请注意,过去的业绩和预测都不是未来结果的可靠指标。