New Crypto Mortgage Law Lets You Buy a House Without Selling Your Bitcoin!

Shocking New Crypto Mortgage Law Lets You Buy a House Without Selling Your Bitcoin!

Thanks to the FHFA directive on June 25, 2025, Fannie Mae and Freddie Mac must now incorporate verified cryptocurrency holdings into mortgage risk assessments—no forced liquidation required. This move, coupled with three landmark crypto bills passed by the U.S. House on July 17, 2025 (stablecoin regulation, crypto market structure, CBDC prohibition), provides the regulatory backbone for lenders to recognize digital assets as bona fide reserves in home loans.

Why Your Bad Credit Score No Longer Matters If You HODL Crypto!

Under the new guidelines, borrowers with lower FICO scores can offset credit deficiencies by showcasing on‑chain wealth. Lenders will apply risk‑based haircuts to crypto reserves—adjustments for volatility and caps on the percentage of assets counted—but even after a conservative haircut, significant holdings in Bitcoin or Ethereum can boost your qualifying reserves and improve your debt‑to‑income ratio.

Banks Are Begging for Your Crypto: How Chase and BoA Are Accepting Bitcoin for Mortgages!

Major banks have already rolled out the red carpet for crypto payments:

• Chase Bank partnered with FCF Pay on October 4, 2023, enabling customers to pay mortgages, loans, and credit cards using BTC, ETH, XRP, SHIB, DOGE, BNB, and more. Payments are converted to fiat behind the scenes, seamlessly integrating digital currencies with existing banking systems.

• Bank of America is piloting stablecoin and crypto payment services, with CEO Brian Moynihan publicly affirming that big banks will accept cryptocurrency payments—including mortgages—once key legislation is in place. Additionally, through third‑party platforms like BitPay’s Crypto Bills service, BoA clients can already settle monthly mortgage payments with digital assets, converted to USD at the time of transaction.

The Ultimate Beginner’s Blueprint to Crypto‑Backed Home Loans

1. Secure and Verify Your Crypto

   • Choose a self‑custody wallet (hardware or multisig) or a U.S.‑regulated custodian.

   • Obtain third‑party attestation (on‑chain proof for self‑custody; audited statements for custodians).

2. Document Your Holdings

   • Prepare an asset schedule with wallet addresses, account statements, and valuation dates.

   • Include verifiable haircuts and pricing sources (exchange APIs, index providers).

3. Leverage New Legislation

   • Reference the FHFA directive and stablecoin regulation bill in underwriting conversations.

   • Highlight the ability to apply crypto reserves toward down payment requirements and reserve ratios.

4. Choose the Right Lender

   • Target institutions supporting FCF Pay or BitPay integrations (Chase, BoA, and early‑adopter credit unions).

   • Ask for specific guidelines on applied haircuts, reserve caps, and documentation requirements.

5. Calculate Your Qualifying Reserves

   • Subtract the haircut percentage from total crypto holdings.

   • Add the net reserves to your traditional assets when computing debt‑to‑income and cash reserves.

Start leveraging your crypto portfolio today to unlock mortgage options previously out of reach—even with a less‑than‑perfect credit history.