U.S. Federal Housing FHFA just signed off on a new directive:
Fannie Mae & Freddie Mac are officially ordered to consider crypto as an asset in mortgage loan risk assessments.
No, you don’t need to sell it. Just hold it right. 🧵
Until now, if you had $500k in BTC, ETH or even stables it didn’t count.
Why? Because TradFi doesn’t “understand magic internet money”.
So you had to dump it into USD before closing.
That changes now.
If your crypto is:
• Held on a U.S.-regulated centralized exchange
• Verifiable & stored under your name
Then it can count for:
✅ Down payment reserves
✅ Risk assessment
✅ Loan qualification
Each Enterprise (Fannie/Freddie) must:
• Propose how they’ll assess crypto
• Factor in market volatility
• Adjust reserves for the risk
• Get their plan approved before rollout
They still won’t count your chillhouse LPs on pumpswap, sorry.
But ETH on Coinbase? Yes.
USDC on Kraken? Valid.
BTC on Binance? Of course.
Hype on Hyperliquid? Yes please.
This is one of the most significant TradFi validations of crypto as a serious, usable asset class.
Not just speculation. Not just yield.
Now?
A path to homeownership.(not imaginary metaverse)
Effective immediately.
Signed 6/25/2025.
Remember the date.
TradFi now forced to read the chain.
ngl my fartcoin bag being mortgage collateral wasn’t on my 2025 bingo card
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