What Are the Rules and Limitations Around Using Crypto?

[etfs]

While crypto can be counted toward qualification, Newrez has imposed strict guardrails. Borrowers must still pay down payments and closing costs in US dollars, and all eligible crypto assets must be held with US-regulated entities such as compliant exchanges, FinTech platforms, or SEC- or FINRA-regulated brokerages. Assets held in self-custody wallets or decentralized finance protocols are excluded.

The policy aligns with a broader regulatory shift in the US. In 2025, the Federal Housing Finance Agency directed Fannie Mae and Freddie Mac to explore how crypto could be incorporated into mortgage risk models—signaling a gradual thaw between federal housing regulators and the digital asset industry.

[cryptohog]

housing slowly adapting to crypto feels inevitable, just way slower than anyone wants