Home Loans Meet Crypto

Bitcoin is no longer just an investment vehicle; it's becoming the key to home ownership. In the US, the Trump administration has officially given the green light for Fannie Mae and Freddie Mac to accept cryptocurrencies as mortgage collateral.

🔹 The Federal Housing Finance Agency (FHFA), in a directive issued on June 25, 2025, ordered Fannie Mae and Freddie Mac to consider crypto assets in mortgage risk assessments. This decision completely reversed the previous policy that disqualified cryptocurrencies from mortgage applications.

🔹 In March 2026, a major US exchange partnered with Better Home & Finance to launch the first Fannie Mae-backed crypto-collateralized mortgage product. This model allows investors to purchase homes by using their Bitcoin or USDC as collateral without having to sell it.

🔹 A volatility discount remains in place: roughly 40-50% of your Bitcoin's value counts toward the loan assessment. Additionally, assets must sit on regulated, licensed US platforms rather than self-custody wallets to qualify under the federal framework.

🔹 Meanwhile, pioneering crypto mortgage providers like Milo have been accepting self-custody wallets since 2022, offering an alternative path and already surpassing $100 million in total loan volume.

Living without selling, earning by holding. Do you think the crypto mortgage model will create a lasting transformation in the real estate market?

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