{"id":33994,"date":"2025-06-27T08:02:37","date_gmt":"2025-06-27T08:02:37","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=33994"},"modified":"2025-06-27T08:02:37","modified_gmt":"2025-06-27T08:02:37","slug":"trump-administration-moves-to-let-crypto-count-toward-mortgages","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=33994","title":{"rendered":"Trump Administration Moves to Let Crypto Count Toward Mortgages"},"content":{"rendered":"<div>\n<p><span data-preserver-spaces=\"true\">The Trump administration is opening the door for cryptocurrency to play a role in the mortgage market. <\/span><span data-preserver-spaces=\"true\">On June 25, the Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac to begin developing systems that <\/span><span data-preserver-spaces=\"true\">allow<\/span><span data-preserver-spaces=\"true\"> borrowers to <\/span><span data-preserver-spaces=\"true\">count<\/span><span data-preserver-spaces=\"true\"> crypto holdings <\/span><span data-preserver-spaces=\"true\">when applying for a mortgage<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> If regulated U.S. platforms hold the assets, lenders could factor them into the underwriting process, potentially helping more Americans qualify for home loans.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It is a shift that blends digital assets with traditional finance in a way that would have seemed unlikely just a few years ago. Although the new policy is still in the early stages, it sends a clear message: regulators are taking crypto seriously as part of personal finance.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">Crypto\u2019s Role in Underwriting Is Changing<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">In most cases today, lenders ask borrowers who own crypto to sell it and convert it to cash before using it to show financial strength. The logic is that crypto is too volatile, and lenders prefer assets that are more predictable in value. That may still be true, but the FHFA says it is time to reconsider how digital assets fit into mortgage eligibility.<\/span><\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">After significant studying, and in keeping with President Trump\u2019s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.<\/p>\n<p>SO ORDERED <a href=\"https:\/\/t.co\/Tg9ReJQXC3\" target=\"_blank\" rel=\"nofollow\">pic.twitter.com\/Tg9ReJQXC3<\/a><\/p>\n<p>\u2014 Pulte (@pulte) <a href=\"https:\/\/twitter.com\/pulte\/status\/1937944964656152800?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"nofollow\">June 25, 2025<\/a><\/p>\n<\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span data-preserver-spaces=\"true\">Director William Pulte said the move reflects the administration\u2019s larger strategy to bring crypto into the financial mainstream. The idea is not to ignore the risks but to find a way to factor in crypto holdings while still maintaining responsible lending standards. Under this approach, lenders would apply extra scrutiny to account for price swings and cybersecurity concerns.<\/span><\/p>\n<p><strong>DISCOVER: <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/cryptocurrency\/next-crypto-to-explode\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\">20+ Next Crypto to Explode in 2025<\/a><\/strong><\/p>\n<h2><span data-preserver-spaces=\"true\">What Fannie and Freddie Are Being Asked to Do<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Fannie Mae and Freddie Mac do not issue loans directly, but they back a large portion of the U.S. mortgage market. Their role in this plan is to create a new framework that allows lenders to consider crypto as part of a borrower\u2019s financial profile. Lenders must ensure that the assets are held <\/span><span data-preserver-spaces=\"true\">with<\/span><span data-preserver-spaces=\"true\"> regulated U.S. exchanges and properly account for <\/span><span data-preserver-spaces=\"true\">how quickly<\/span><span data-preserver-spaces=\"true\"> crypto values <\/span><span data-preserver-spaces=\"true\">can change<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n<div class=\"cpp-crypto-chart cpp-crypto-chart-99btc cpp-crypto-chart-btc\" data-coin-symbol=\"btc\" data-price-usd=\"BTC Price (USD)\" data-main-color=\"#4caf05\" data-watermark-image=\"https:\/\/99bitcoins.com\/wp-content\/uploads\/2025\/06\/99bitcoins-logo.png\" data-chart-style=\"99btc\">\n<div class=\"cpp-chart-top-section\">\n<div class=\"cpp-chart-info-section\">\n<div class=\"cpp-chart-logo\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/2024\/02\/26205235\/btc.svg\" alt=\"btc logo\"><\/div>\n<div class=\"cpp-chart-coin-details\">\n<div class=\"cpp-chart-labels-row\">\n<div class=\"cpp-chart-coin-name\">Bitcoin<\/div>\n<div class=\"cpp-chart-price-info\">Price<\/div>\n<div class=\"cpp-chart-market-cap\">Market Cap<\/div>\n<\/div>\n<div class=\"cpp-chart-values-row\">\n<div class=\"cpp-chart-coin-symbol\">BTC<\/div>\n<div class=\"cpp-chart-price\"><\/div>\n<div class=\"cpp-chart-market-cap-value\">$2.13T<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cpp-chart-selectors cpp-chart-selectors-99btc\"><span class=\"cpp-chart-selector\" data-period=\"24h\">24h<\/span><span class=\"cpp-chart-selector\" data-period=\"7d\">7d<\/span><span class=\"cpp-chart-selector\" data-period=\"30d\">30d<\/span><span class=\"cpp-chart-selector\" data-period=\"1y\">1y<\/span><span class=\"cpp-chart-selector\" data-period=\"all_time\">All time<\/span><\/div>\n<\/div>\n<p><canvas id=\"cpp-chart-685e333d9dc75\" class=\"cpp-chart-container cpp-chart-container-99btc\"><\/canvas><\/div>\n<p><span data-preserver-spaces=\"true\">At this point, there is no <\/span><span data-preserver-spaces=\"true\">final<\/span><span data-preserver-spaces=\"true\"> timeline for when the rules will be <\/span><span data-preserver-spaces=\"true\">in place<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> The agencies are being asked to develop the details and submit them for review. Any full rollout would require more steps and formal approval.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">Reactions Are Mixed<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Some in the mortgage industry are calling it a necessary update. <\/span><span data-preserver-spaces=\"true\">The Mortgage Bankers Association has <\/span><span data-preserver-spaces=\"true\">said<\/span><span data-preserver-spaces=\"true\"> it welcomes efforts to modernize asset verification, <\/span><span data-preserver-spaces=\"true\">especially<\/span><span data-preserver-spaces=\"true\"> as more people hold wealth in <\/span><span data-preserver-spaces=\"true\">nontraditional<\/span><span data-preserver-spaces=\"true\"> formats.<\/span><span data-preserver-spaces=\"true\"> But others are raising questions. Amanda Fischer of Better Markets pointed out that crypto can swing wildly in value, making it risky to include <\/span><span data-preserver-spaces=\"true\">in<\/span><span data-preserver-spaces=\"true\"> lending decisions. She also raised concerns about what happens if assets disappear due to fraud or exchange failure.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">That tension between innovation and caution is likely to define how this process unfolds.<\/span><\/p>\n<p><strong>DISCOVER: <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/cryptocurrency\/new-cryptocurrency\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Best New Cryptocurrencies to Invest in 2025<\/a><\/strong><\/p>\n<h2><span data-preserver-spaces=\"true\">What This Means for Borrowers<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">If the plan moves forward, it could make it easier for crypto holders to access mortgage credit without having to liquidate their assets. That may appeal to borrowers who are reluctant to sell during market dips or who want to keep long-term positions intact.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The next few months will be important as Fannie Mae and Freddie Mac work through the operational side. <\/span><span data-preserver-spaces=\"true\">Lenders will also need to update their systems, and regulators will <\/span><span data-preserver-spaces=\"true\">watch<\/span><span data-preserver-spaces=\"true\"> closely <\/span><span data-preserver-spaces=\"true\">to see<\/span><span data-preserver-spaces=\"true\"> how this plays out in practice.<\/span><span data-preserver-spaces=\"true\"> If it works, it could prompt one of the most conservative corners of the financial system to change how it views crypto.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">DISCOVER:\u00a0<\/span><a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/cryptocurrency\/next-crypto-to-explode\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\"><span data-preserver-spaces=\"true\">20+ Next Crypto to Explode in 2025\u00a0<\/span><\/a><\/strong><\/p>\n<p><strong><a class=\"general-link\" href=\"https:\/\/discord.gg\/B7Uk6agkqj\" target=\"_blank\" rel=\"nofollow noopener nofollow\"><span data-preserver-spaces=\"true\">Join The 99Bitcoins News Discord Here For The Latest Market Updates<\/span><\/a><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<div class=\"nnbtc-key-takeaways\">\n<h2 class=\"nnbtc-key-takeaways__title\">Key Takeaways<\/h2>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<ul class=\"nnbtc-key-takeaways__list\">\n        <\/ul>\n<p><\/span><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<li class=\"nnbtc-key-takeaways__list-item\">\n        The Trump administration has directed Fannie Mae and Freddie Mac to explore counting crypto holdings toward mortgage eligibility.    <\/li>\n<p>    <\/span><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<li class=\"nnbtc-key-takeaways__list-item\">\n        Crypto assets will only qualify if held on regulated U.S. exchanges, with extra rules to address volatility and cybersecurity risks.    <\/li>\n<p>    <\/span><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<li class=\"nnbtc-key-takeaways__list-item\">\n        The new policy aims to integrate crypto into traditional finance without undermining responsible lending standards.    <\/li>\n<p>    <\/span><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<li class=\"nnbtc-key-takeaways__list-item\">\n        Fannie and Freddie must develop the framework, but they have not set a final timeline or rollout date yet.    <\/li>\n<p>    <\/span><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/p>\n<li class=\"nnbtc-key-takeaways__list-item\">\n        This move may help crypto holders qualify for loans without liquidating assets. It could lead lenders to change how they treat digital wealth.    <\/li>\n<p>    <\/span><\/p>\n<p><span data-preserver-spaces=\"true\"><br \/>\n    <\/span><\/p>\n<p><span data-preserver-spaces=\"true\">    <\/span><\/p>\n<\/div>\n<p>    <\/span><\/p>\n<p>The post <a href=\"https:\/\/99bitcoins.com\/news\/adoption\/crypto-mortgage-plan-trump-backs-digital-asset-loans\/\">Trump Administration Moves to Let Crypto Count Toward Mortgages<\/a> appeared first on <a href=\"https:\/\/99bitcoins.com\/\">99Bitcoins<\/a>.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Trump administration is opening the door for cryptocurrency to play a role in the mortgage market. On June 25, the Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac to begin developing systems that allow borrowers to count crypto holdings when applying for a mortgage. If regulated U.S. platforms hold the assets, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-33994","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/33994","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=33994"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/33994\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=33994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=33994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}