Crypto mortgages in US face valuation risks, regulatory uncertainty
Some lenders are willing to accept Bitcoin and recognize crypto holdings when considering a mortgage application, but issues around risk remain.
On Jan. 16, Pennsylvania-based lender Newrez announced plans to accept certain cryptocurrency holdings when considering mortgage applications. The change, which the company said will take effect in February, will apply to loans for homes, refinancing and other investment properties.
For Newrez, the plan comes on the tailwinds of directions from the US Federal Housing Finance Agency (FHFA) last year. In June 2025, the FHFA ordered Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) to develop plans for recognizing crypto in loan applications.
In doing so, crypto gained at least partial recognition from two major government enterprises that provide liquidity and stability to mortgage markets. At the time, Michael Saylor, chair of Bitcoin (BTC) treasury company Strategy, said, “Future generations will remember this as the moment Bitcoin entered the American dream.”
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