Overview

• On June 23, the FHFA announced it will study whether cryptocurrency holdings should be considered in mortgage qualification
• The agency will examine how assets such as bitcoin and solana might count toward income and wealth calculations at Fannie Mae, Freddie Mac and regional Federal Home Loan Banks
• Bill Pulte was sworn in as FHFA director in March after nomination by President Trump and holds between $500,001 and $1,000,000 in bitcoin and solana
• Under current guidelines, Fannie Mae and Freddie Mac require cryptocurrency assets to be converted to U.S. dollars in regulated institutions before they can be applied toward mortgages
• The study reflects the administration’s broader push toward crypto-friendly policies and could affect mortgage eligibility for millions of digital asset holders