Key Points
- US Director of Federal Housing FHFA has officially recognized crypto as a potential mortgage asset.
- On June 26, Bitcoin surpassed $108,000, amidst market optimism and continued adoption.
On June 26, Bitcoin’s price reclaimed $108,000 amidst continued institutional adoption and a boost of optimism stemming from the latest reports in the US.
William J. Pulte, the Director of the Federal Housing Finance Agency (FHFA), announced that crypto will be considered as an asset for mortgages.
BTC and Crypto Could Be Considered as Assets for Single-Family Loans
In a post on X, on the evening of June 25, Pulte shared a message announcing that after sigificant studying, and in line with the US President, Donald Trump’s vision to make the US the crypto capital of the world, he ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count crypto as an asset for a mortgage.
Fannie Mae is the Federal National Mortgage Association, a government-sponsored enterprise (GSE) and a publicly traded company that plays an important role in the US housing market.
Freddie Mac, the Federal Home Loan Mortgage Corporation, is supporting America’s homeowners and renters while serving as a stabilizing force in the US finance system.
After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.
SO ORDERED pic.twitter.com/Tg9ReJQXC3
— Pulte (@pulte) June 25, 2025
Crypto – An Opportunity to Build Wealth Outside of Traditional Markets
The official order posted by Pulte on X issues a Directive to consider crypto as an asset for single-family loans, and it was delivered to the two companies that have a pivotal role in the US finance system. The document mentions crypto as an emerging asset class that may offer an opportunity to build wealth outside of the stock and bond markets.
According to the notes, even though crypto has not been typically considered in the mortgage risk assessment process for mortgage loans delivered to enterprises without converting it to fiat before loan closing.
Now, the FHFA determined that the consideration of additional borrower assets in the enteerprises’ single-family mortgage loan risk assesments may enable them to asses the full spectrum of asset data available for resevers and to facilitate sustainable homeownership to creditworthy borrowers.
The two enterprises will have to prepare a proposal for considering crypto as an asset for reserves in their single-family mortgage loan risk assessments without converting it to US dollars. The enterprises can consider only crypto assets that can be evidenced and stored on US-regulated centralized exchanges. Crypto-related risks also have to be taken into consideration.
Today, BTC price surged amidst a new wave of optimism in the crypto space.
Bitcoin Surpassed $108,000 on June 26
At the moment of writing this article, BTC is trading above $107,000, up by more than 1% in the past 24 hours. Earlier on June 26, BTC surpassed $108,000.
Michael Saylor also marked the important event regarding Bitcoin and crypto’s recognition by the US housing system, saying that this is a defining moment for institutional BTC adoption and collateral recognition.
Bitcoin‘s price is supported by the continued global adoption, rising institutional interest, and the end of the Iran-Israel war.
