CRYPTO CAPITAL Plan—Bitcoin for Mortgages

The Trump administration just told Fannie Mae and Freddie Mac to start considering your Bitcoin as real money when you apply for a mortgage—and the entire housing market may never be the same.

At a Glance

  • The Trump administration has directed Fannie Mae and Freddie Mac to consider certain cryptocurrency holdings as collateral for mortgage assessments.
  • The new policy only applies to digital assets stored on U.S.-regulated, centralized exchanges like Coinbase.
  • The move allows homebuyers to leverage their crypto wealth without first having to liquidate it into dollars.
  • The directive is part of President Trump’s broader vision to make the U.S. the “crypto capital of the world.”

Recognizing Digital Assets as Real Wealth

In a groundbreaking move for financial freedom, the Trump administration has directed the Federal Housing Finance Agency (FHFA) to order Fannie Mae and Freddie Mac to recognize cryptocurrency as a legitimate asset for mortgage consideration. The directive, signed by FHFA Director William J. Pulte, marks the first time that these government-sponsored enterprises have been instructed to formally include digital assets in their risk assessments for home loans.

For years, Americans who have invested in cryptocurrency have been penalized by an outdated system, forced to sell their digital assets and convert them to dollars before lenders would recognize their wealth. This new, common-sense policy allows prospective homeowners to leverage their crypto investments to secure a mortgage while keeping their assets intact.

Sensible Guardrails to Protect the System

The new policy comes with sensible guardrails to ensure the stability of the housing market. Only cryptocurrency held on U.S.-regulated, centralized exchanges like Coinbase will be eligible for consideration. Crypto stored in private, self-custodied wallets will not qualify. This approach balances financial innovation with the necessary security and documentation required for the mortgage process.

“The Trump administration issued a directive on Wednesday ordering Fannie Mae and Freddie Mac to start considering cryptocurrency as collateral in single-family mortgage loan risk assessments,” the Washington Examiner reported. The FHFA also requires that the volatility of the assets be factored into the risk assessment, preventing reckless lending.

Making America the “Crypto Capital”

The directive is a key part of President Trump’s wider strategy to establish the United States as the global leader in the digital asset space. It follows other pro-crypto moves, including an executive order to create a Strategic Bitcoin Reserve. This forward-looking agenda stands in stark contrast to the previous administration’s attempts to stifle the industry through regulatory overreach.

By integrating digital assets into the foundational infrastructure of the American housing market, the administration is sending a clear signal that it views cryptocurrency and blockchain technology as the next frontier of financial innovation and American leadership. For millions of Americans, especially younger buyers who have embraced digital assets, this policy could be the key that unlocks the door to homeownership.