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Fannie Mae's Crypto Mortgage Shift: Bitcoin Now Buys Homes

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Image & Source: apnews

In a groundbreaking move, Fannie Mae and Freddie Mac have been directed by the FHFA to consider cryptocurrency holdings, such as Bitcoin, as valid assets in mortgage applications. This policy shift enables borrowers to leverage their digital wealth without converting it to traditional currency, aligning with President Trump's vision to position the U.S. as a leader in the crypto economy.

Previously, mortgage applicants had to liquidate crypto assets to meet qualification criteria. Now, with this directive, digital currencies held on U.S.-regulated exchanges can be directly factored into risk assessments, potentially expanding homeownership opportunities for crypto investors. Critics, however, raise concerns about the volatility of cryptocurrencies and the need for robust risk mitigation strategies.

As of June 2025, Bitcoin's value hovers around $107,658, illustrating the substantial financial impact this policy could have on the housing market.

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