Bitcoin and crypto use cases just expanded to mortgage financing with Fannie Mae.
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U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available. U.S. government-sponsored enterprise, also known as the Federal National Mortgage Association , is delving into crypto. According to For the first time in its history, Fannie Mae will accept mortgages backed by cryptocurrency. However, it is not a final, implemented policy under which Fannie Mae will directly accept cryptocurrencies like Bitcoin as pledged collateral. Earlier this year, the Federal Housing Finance Agency — the regulator that oversees Fannie Mae — directed the enterprise to develop proposals for considering cryptocurrency. It emphasizes holding crypto as an asset in single-family mortgage risk assessments. This change would allow borrowers to count their crypto toward their financial reserves. It also gives them an overall asset picture when applying for a home loan, without first selling it into U.S. dollars. Previously, Fannie Mae's guidelines only accepted crypto after it was converted to cash and held in a regulated bank account. The new direction aims to treat verified crypto holdings more like other investment assets for qualifying purposes.Notably, the crypto move by Fannie Mae marks a major shift toward integrating crypto into traditional U.S. housing finance. His comments come after the FHFA issued a directive instructing mortgage issuers Fannie Mae and Freddie Mac to develop plans for factoring in crypto payments when assessing eligibility for a mortgage.Switzerland as a payment option for users. These moves show the maturity of crypto in today’s digital finance world. Finnovex North Africa 2026: Catalyzing Egypt’s Fintech Revolution Through Smart Finance and Regulatory Transformation
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