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?

$BTC
BTC-0.75%
USDC0.01%
MILO-3.35%
post-image
User_any
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, Coinbase and Better Home & Finance launched the first crypto-collateralized mortgage product supported by Fannie Mae. This model allows investors to purchase homes by using their Bitcoin or USDC as collateral without having to sell it.

🔹 However, a value reduction due to volatility applies: only $40-50,000 of a $100,000 Bitcoin is considered collateral. Furthermore, assets must be held on US-licensed exchanges such as Coinbase, Kraken, or Gemini; cold wallets are excluded.

🔹 On the other hand, pioneering crypto mortgage providers like Milo have been offering alternative models accepting self-custody wallets since 2022 and have already reached over $100 million in 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?
$BTC
repost-content-media
This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.
  • Reward
  • 19
  • 2
  • Share
Comment
Add a comment
Add a comment
Moonchart
· 06-01 22:17
To The Moon 🌕
Reply0
amatsuki_longwei
· 05-31 14:04
1000x VIbes 🤑
Reply0
amatsuki_longwei
· 05-31 14:04
Ape In 🚀
Reply0
amatsuki_longwei
· 05-31 14:04
LFG 🔥
Reply0
amatsuki_longwei
· 05-31 14:04
2026 GOGOGO 👊
Reply0
strong_coin
· 05-27 23:20
LFG 🔥
Reply0
strong_coin
· 05-27 23:20
To The Moon 🌕
Reply0
strong_coin
· 05-27 23:20
2026 GOGOGO 👊
Reply0
ybaser
· 05-26 02:16
Just charge forward 👊DYOR 🤓 To The Moon 🌕
Reply0
WhyFay
· 05-25 21:48
To The Moon 🌕
Reply0
View More
  • Pinned