You may have never heard of Fannie May or Freddie Mac, but the two public companies – set up by Congress in the ‘60s – are the linchpins of the US housing market.
Combined, they have over $7T in assets.
Now, the U.S. Federal Housing Finance Agency director William Pulte has instructed ‘the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.’
It’s not a stretch to say that the move could utterly transform how mortgages work in the US and would certainly signal a new level of ordinary adoption.
Fannie Mae, Freddie Mac: $7T+ Unlocked for Crypto?
Pulte indicated clearly that FHFA’s move to examine crypto-based mortgages came directly from Donald Trump, who is keen to continue integrating crypto with the US economy.
Crypto-based mortgages would vastly expand the range of crypto utility, particularly for Americans who may never tinker with DeFi – but who will want to buy a house.
Pulte’s announcement, while just the beginning of the process, should go a long way towards boosting crypto adoption.
Make no mistake, the initiative is still an America-first thing; crypto assets will only be considered as an ‘asset for reserves,’ if held on a ‘US-regulated centralized exchange.’
Crypto would play into the mortgage process during the risk assessment stage. Lenders examine potential borrowers to analyze the strength of their financial position and the chance they would someday default on any loan.
Crucially, the proposed consideration would not require borrowers to convert their crypto to cash; the assets would be considered as-is
Bitcoin and other cryptos wouldn’t be direct collateral for the loan itself, but lenders would be able to consider crypto holdings as part of the borrower’s overall financial picture.
As Largest US Company, Fannie Mae Marks New High of Crypto Integration
‘Buy a house with Bitcoin’ is the easy headline here, but there’s something even more important going on behind the scenes.
Fannie Mae, the larger of the two lenders, is the largest US financial institution by assets. Even an arms-length integration with the crypto economy would be an incredible breakthrough for crypto adoption, normalizing crypto assets.
With trillions of dollars in assets, Fannie Mae controls loans for roughly a quarter of US single-family homes. Those homes are specifically mentioned in Pulte’s announcement, indicating exactly how Trump intends to apply the new framework.
By allowing crypto assets to be part of the mortgage risk assessment, Trump is directly encouraging average American homebuyers (or potential homebuyers) to purchase crypto.
With this, Bitcoin moves away from being just a digital currency; it becomes a real asset, able to support the purchase of the single most expensive asset most Americans will ever buy.
But buying crypto assets is one thing – holding them is another. That’s where Best Wallet app comes in.
Best Wallet – Opening the Door for Simple, Secure Crypto Ownership
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The token’s presale has raised $13.5M so far, with tokens priced at $0.025235. Our own price prediction shows $BEST could reach $0.62 by the end of 2026, an incredible 2,357% increase – and that’s without considering the impact of the new FHFA considerations.
Learn how to buy $BEST and learn more about the token presale page today.
Watershed Moment for Crypto Adoption
Donald Trump’s directive to integrate crypto assets into the U.S. mortgage process marks a watershed moment for mainstream crypto adoption.
By opening the doors of Fannie Mae and Freddie Mac to Bitcoin and other digital assets, crypto is no longer confined to speculative trading – it’s becoming part of the everyday American dream.
Do your own research before investing; this isn’t financial advice.
