Crypto Enters the Mortgage Conversation as Newrez Opens the Door

[lingriiddd]

Home ownership rates in the US are generally in the 60% range. Source: US Federal Reserve

Pennsylvania-based lender Newrez announced it will begin considering certain cryptocurrency holdings in mortgage applications starting in February. The policy will apply to home purchases, refinancing and investment properties, marking a notable shift in how digital assets are treated in traditional lending. The move follows guidance from the Federal Housing Finance Agency, which last year directed Fannie Mae and Freddie Mac to explore how crypto could be recognized in loan underwriting.

The announcement was widely seen as symbolic, even if cautious. While crypto isn’t replacing income verification or cash reserves, its partial recognition reflects growing institutional acceptance. As Michael Saylor put it at the time of the FHFA directive, this may be remembered as the moment Bitcoin began intersecting with the American dream — even if the path forward remains narrow and heavily regulated.

[cryptobro]

feels symbolic more than anything but yeah this is how it starts i guess