Experts Warn Crypto Collateral Could Add Volatility to Mortgage
0Regulation
Trump
U.S. mortgage authorities weigh crypto in home loan assessments, raising concerns over borrower risk and regulatory preparedness.
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Hongji Feng
Author
Hongji Feng
About Author
Hongji is a crypto and tech reporter. He graduated from Northwestern University's Medill School of Journalism with a Bachelor's and a Master's. He has previously interned at HTX (Huobi Global),...
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Last updated:
June 27, 2025
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Key Takeaways:
The FHFA has directed Fannie Mae and Freddie Mac to explore the use of cryptocurrency in mortgage asset verification.
Industry insiders said the move may allow digital assets to be counted as collateral in home loan underwriting.
Analysts warn that introducing crypto could mirror pre-2008 lending risks due to volatility and unclear guidance.
The U.S. Federal Housing Finance Agency (FHFA) has instructed government-backed mortgage giants Fannie Mae and Freddie Mac to evaluate the inclusion of cryptocurrency in asset verification processes for residential loans.
According to a report published by Caixin on June 27, multiple unnamed industry sources said the directive could allow homebuyers to use digital assets as collateral in mortgage underwriting.
Crypto as Mortgage Collateral May Prompt Systemic Risk.
“After significant studying, and in keeping with President Trump’s vision to make the United States the...
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