Forget stocks and bonds—your Bitcoin stash might soon unlock homeownership. The US housing chief is quietly exploring whether crypto holdings can grease the wheels of mortgage approval.
Breaking the 20th-century mold
Traditional lenders still treat digital assets like radioactive material. But with 1 in 5 millennials now holding crypto, regulators face pressure to bridge decentralized finance and brick-and-mortar lending.
The volatility paradox
While crypto's wild price swings give underwriters nightmares, stablecoin reserves and proof-of-stake assets could offer middle ground. "We're assessing risk models that don't treat all crypto like Dogecoin," admits a senior HUD official.
Wall Street's worst fear?
A system where your Ethereum wallet carries more weight than FICO scores—and where mortgage brokers suddenly need to understand gas fees. Cue the institutional tantrums.
One thing's certain: in a market where banks reject 70% of minority mortgage applicants, crypto verification might actually democratize lending. Or it'll just create new ways for the 1% to game the system—this is finance, after all.
FHFA Becomes a Pillar of US Housing Stability
Created in the aftermath of the 2008 housing crisis, the FHFA has historically focused on risk reduction and ensuring liquidity in the housing market.
Now, it may become one of the first federal housing agencies to consider digital assets in mortgage lending criteria.
Bill Pulte, appointed director in March after being nominated by former President Donald Trump, brings a unique background to the role.
He is the founder of Pulte Capital Partners and the grandson of William Pulte, who founded Pulte Homes, currently the third-largest homebuilder in the US.
Smart
— Anthony Pompliano
Pulte has been vocal about his support for cryptocurrency. Financial disclosures earlier this year revealed he holds between $500,001 and $1 million in both Bitcoin and Solana.
His portfolio also includes shares in Marathon Digital (MARA), a major bitcoin mining firm, as well as investments in GameStop, Bed Bath & Beyond, Tesla, and ventures tied to YouTube personality MrBeast.
Pulte entered the crypto space in 2019, publicly announcing a purchase of 11 BTC and pledging to distribute crypto to his social media followers.
His interest in digital assets appears to extend beyond personal finance, potentially influencing policy at the national level.
Bitcoin Adoption Finds Momentum Among States
Bitcoin adoption is accelerating across both federal and state levels in the US.
Texas recently became the first state to establish a publicly funded Bitcoin reserve, following the approval of Senate Bill 21 signed by Governor Greg Abbott.
The reserve, managed by State Comptroller Glenn Hegar, will operate independently from the state treasury, a key distinction from earlier proposals in Arizona and New Hampshire, which were tied to existing government funds.
At the federal level, President Donald TRUMP signed an executive order to create a national strategic Bitcoin reserve, signaling growing institutional interest in the asset.
While Texas moves forward with its Bitcoin initiative, other states are pulling back. Florida, Arizona, and several others have recently shelved or rejected crypto-related legislation, citing concerns over market volatility and the uncertain future of digital assets.
