The U.S. Housing Administration is considering using Crypto Assets as collateral for loans.

Gate News bot news, according to Coindoo, the Federal Housing Finance Agency (FHFA) is initiating a review to determine whether digital assets such as Bitcoin should be included in mortgage eligibility standards. FHFA Director Bill Pulte announced this initiative on X, marking a potential shift in how the traditional housing finance system handles the possession of Crypto Assets.

The review will study how to incorporate Crypto Assets into the asset and wealth assessments used by federally supported mortgage giants like Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. These institutions underpin most of the mortgage lending in the United States, meaning that any policy shift could have significant implications nationwide.

The proposal was made at a time when the Bitcoin trading price surpassed $105,000 and digital assets continued to be favored by retail and institutional investors.

If successful, this move will mark a milestone in the integration of Crypto Assets into mainstream financial evaluations. By incorporating Bitcoin and similar assets into personal wealth profiles, mortgage applicants holding a significant amount of digital assets can better access federally supported housing financing.

This development aligns with the broader trends in financial regulation and banking, as Crypto Assets are increasingly recognized as a legitimate means of value storage and investment category.

Although the Federal Housing Finance Agency has confirmed that a review will take place, Director Pulte has not disclosed the specific timetable, scope, or which digital assets may be included in the assessment.

In addition, it remains to be seen how the volatility of Crypto Assets and custody issues will be addressed within the framework of mortgage underwriting. This research is still in its early stages, but its results could reshape the financing of homeownership in the digital economy.