🏠 Can Crypto Help You Buy a House? New US Bill Says Yes

[cryptobro]

Here’s something game-changing for crypto holders who dream of owning a home but don't want to cash out their bags just yet.

Senator Cynthia Lummis has introduced a bill called the 21st Century Mortgage Act, and it’s aiming to officially allow cryptocurrencies to be counted as assets in mortgage applications.
What’s Going On?

Back in June, the U.S. housing regulator FHFA ordered mortgage giants Fannie Mae and Freddie Mac to consider crypto as part of loan applications. Lummis’ new bill would make that rule law.

The idea? If you hold Bitcoin, ETH, or other digital assets, they could boost your chances of mortgage approval—without converting them to fiat first.

This could be huge for young buyers: as of early 2025, only 36% of Americans under 35 own a home. And many of them have more crypto than cash.
🧱 Not Everyone’s On Board

Senate Democrats are cautious. They’re worried about crypto volatility, liquidity risks, and borrowers defaulting if their portfolios tank. Fair points—but crypto lenders like Block Earner in Australia are already testing Bitcoin-backed mortgages successfully.
Crypto in Mortgages: What It Means

Crypto could become legitimate collateral
No more forced liquidations just to prove financial health
Makes it easier for HODLers to access real estate without dumping bags
Could spark more Bitcoin-backed lending platforms globally
Related: Another bill from Rep. Nancy Mace also aims to let lenders consider digital assets in borrower evaluations. And guess what? The House is already on recess—but expect more crypto bills to drop when Congress returns.
🧠 Final Thought

Imagine a future where your crypto wallet is part of your creditworthiness. With tokenized real estate, blockchain-based mortgage platforms, and crypto collateral—this future is closer than we think.

Would YOU pledge your crypto as collateral to buy a house?

Drop your thoughts below—especially if you’ve ever been denied a mortgage while holding serious coin.

[jacson4]

A game‑changer is brewing in U.S. housing finance: the FHFA has directed Fannie Mae & Freddie Mac to consider crypto holdings on U.S.‑regulated exchanges as mortgage assets—no conversion to fiat required.Now Senator Cynthia Lummis is pushing the 21st Century Mortgage Act, which would cement this in law—allowing crypto reserves to count toward home‑loan eligibility. The goal? Empower younger, digital‑asset holders to access housing finance without liquidating investments.It’s a bold credential shift: recognizing crypto as reserve capital for
mortgages.

[Nahid10]

This crypto‑mortgage development is significant—but it comes with caution flags. Democratic Senators including Warren and Sanders have raised concerns—crypto volatility and liquidity risk could lead to mortgage default stress.Even HSH.com estimates asset valuation discounts up to 20–30% may apply. As legislation advances, lenders will likely adjust risk weighting, limit acceptable holdings, and enforce custody requirements. Still, this move toward accepting crypto as collateral is a notable shift in U.S. financial inclusion policy.

[Nahiar806]

This could be a real turning point for financial inclusion. A lot of young, crypto-native investors are locked out of traditional finance, despite having significant digital wealth. Counting crypto as mortgage collateral is long overdue.

[rafihasan]

Totally see why regulators are cautious—crypto volatility isn’t a small risk. But if proper LTV (loan-to-value) ratios and risk models are in place, this could unlock new lending models without compromising financial stability.

[Maxwell]

I’d 100% consider pledging some of my crypto as collateral if the terms were clear and I didn’t have to liquidate. Why sell my best-performing assets just to prove I’m creditworthy? Let my on-chain wealth speak too.