Official decision: Cryptocurrencies are included in U.S. mortgage appraisals 🏡💰
In an unprecedented move that paves the way for the expanded use of digital assets in the US financial system, the US Federal Housing Finance Authority (FHFA) announced an official directive to mortgage giants Fannie Mae and Freddie Mac to begin studying the inclusion of cryptocurrencies among the assets used to assess risk when granting mortgages.
The decision, issued on June 25, 2025, is part of a comprehensive vision to modernize financial policies and enhance market resilience, taking into account the rapid growth of digital assets and their increasing adoption globally.
Highlights from the official guidance:
✅ Cryptocurrencies can be counted as part of reserve assets when applying for a mortgage, provided a set of specific conditions are met.
✅ Only cryptocurrencies held on centralized exchanges regulated in the United States are accepted.
✅ Digital assets are not required to be converted to USD when evaluating applications, but official and clear proofs of ownership are required.
The decision aims to improve homeownership opportunities for citizens by expanding the range of acceptable assets and promoting financial inclusion in a safe and orderly manner.
The FRA explained that this step is part of the US government's efforts to integrate modern financial technologies into traditional systems, while maintaining financial stability and protecting markets from any potential risks.
The current director of the authority, William Bolt, emphasized that the directive is in line with the United States' move to embrace financial innovation, noting that the integration of cryptocurrencies into the real estate system will be gradual and subject to careful technical and legal studies before full implementation.
Conclusion:
The inclusion of cryptocurrencies in mortgage valuations represents a paradigm shift in the finance sector and reflects a growing recognition of the importance of these assets in the global economic landscape. However, the actual implementation remains dependent on the completion of the necessary studies and regulatory procedures during the next phase.
To view the details of the story from the source, please visit Reuters website 🔗
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