INSUBCONTINENT EXCLUSIVE:
The US federal home loan regulator is looking into how crypto holdings could help mortgage seekers qualify for home loans
the US, with around 62% of the population owning homes
However, the number of new applicants has seen a sharp decline in recent years
While some boutique lenders already allow borrowers to use their crypto as collateral, study and acknowledgement from the FHFA would
and estimated through Q3 2026
growing sufficiently to address demand
Construction is lagging, more housing is being purchased by investors, rather than by would-be homeowners, and elderly homeowners are still
could open up lenders to cryptoAcknowledging crypto officially at the FHFA could open up sizeable federal lending programs for more
121, a banking rule from the Securities and Exchange Commission that required financial institutions to count cryptocurrencies as a
liability rather than an asset on their balance sheet
regulation in 2025Still, loans secured through federal programs like FHA, VA and USDA currently do not let borrowers use their crypto as
Indeed, some federal loans may not even allow dollar liquidations from crypto sales to be used for down payments, according to 99Bitcoins
Bitcoin could further help derisk the mortgage-backed securities market the FHFA oversees by regulating Fannie Mae and Freddie Mac
collateral, but they are few and far between
These cater more toward the investor class of home buyers and carry risks some may not be ready to stomach.Milo (formerly MiloCredit)
approves loans for borrowers instantly, but they first need to show that they have enough crypto to cover the entire value of the loan
the real estate market to crypto-rich, tax-freeStrike, another company offering Bitcoin-collateralized loans, states that there are some
risks to crypto loans in their current form
Volatility is a major factor
Traditional mortgages assume relatively stable income and assets
ownership in the US is growing increasingly common, with lawmakers and regulators in Washington moving apace to implement rules and legal
increasingly seen as a legitimate retail asset among normal investors
