Americans can now use cryptocurrency for home mortgages without first converting to dollars, thanks to a new directive from President Trump’s administration. This patriotic action positions America to rule the global cryptocurrency market while empowering homebuyers by acknowledging digital assets as valid collateral.
Trump Administration Revolutionizes Mortgage Lending
The Trump administration issued a directive on Wednesday ordering Fannie Mae and Freddie Mac to start considering cryptocurrency as collateral in single-family mortgage loan risk assessments. This groundbreaking policy change was signed by William Pulte, Director of the Federal Housing Finance Agency, marking a significant shift in how mortgage lending operates in the United States.
Liquidity and interest rates…
Now that the 30 yr is pushing 5% it's time to ring alarm bells. With nearly $10 trillion awaiting refinancing the US can afford these interest rates even less than homebuyers can afford 9% mortgages.
The Fed has few tools left in the shed. The… https://t.co/Ktp94z4UWj
— Bill Barhydt (@billbarX) January 9, 2025
Until now, cryptocurrency holdings have not been considered in mortgage assessments unless they are first converted to dollars, creating unnecessary barriers for patriotic Americans seeking homeownership. The new order empowers borrowers to use their cryptocurrency assets directly for mortgage loans, potentially increasing purchasing power and strengthening financial profiles for thousands of homebuyers.
— Optio Blockchain (@OptioBlockchain) June 24, 2025
Necessary safeguards ensure this freedom comes with responsible oversight, as only cryptocurrency assets stored on U.S.-regulated, centralized exchanges like Coinbase will be considered for mortgage collateral. This protection prevents foreign manipulation while supporting domestic exchanges and ensuring security for American homebuyers in the rapidly evolving digital economy.
Making America the Crypto Capital of the World
The directive aligns perfectly with President Trump’s bold vision “to make the United States the crypto capital of the world.” This forward-thinking approach demonstrates Trump’s commitment to financial innovation and economic leadership that benefits everyday Americans rather than global elites.
Earlier this year, in March, Trump signed an executive order establishing a Strategic Bitcoin Reserve and a U.S. Digital Asset Stockpile, further cementing America’s position as a global leader in cryptocurrency. These strategic moves protect American interests while creating new pathways to prosperity for citizens who embrace financial innovation.
Cryptocurrency provides Americans with “an opportunity to build wealth outside of the stock and bond markets,” according to William Pulte. This alternative path to financial freedom comes at a crucial time when traditional markets face increasing volatility and government overreach threatens conventional investment strategies.
Protecting American Homebuyers
The Trump administration’s directive doesn’t ignore the inherent volatility of cryptocurrency markets; instead, it addresses it head-on. Fannie Mae and Freddie Mac must account for cryptocurrency’s price fluctuations in their risk assessments, ensuring responsible lending practices that protect both borrowers and the broader housing market.
“Cryptocurrency is an emerging asset class that may offer an opportunity to build wealth outside of the stock and bond markets,” said William Pulte.
While embracing innovation, the policy maintains necessary guardrails by excluding cryptocurrency stored in private wallets from consideration. This sensible limitation addresses custody and security concerns while still dramatically expanding options for millions of American homebuyers with cryptocurrency investments.
The Trump administration continues proving its commitment to both traditional American values and cutting-edge innovation with this groundbreaking policy. By recognizing cryptocurrency as legitimate collateral, this directive removes unnecessary government barriers while respecting the free market choices of patriotic Americans working toward the dream of homeownership.
Sources:
https://feedpress.me/link/20202/17064196/pfYLl