Fannie Mae Now Accepts Bitcoin: What Agents Must Know

June 26, 2025

A groundbreaking federal directive issued yesterday requires Fannie Mae and Freddie Mac to accept cryptocurrency holdings in mortgage assessments—marking the most significant shift in mortgage qualification standards in decades.

Action Steps for Agents

Smart agents are positioning themselves now by partnering with crypto lending platforms, educating themselves on digital assets, and developing marketing strategies for crypto-wealthy clients. Those who act quickly will capture significant market share as millions of crypto holders enter the real estate market.

The Historic FHFA Decision

Federal Housing Finance Agency Director William J. Pulte's June 25, 2025 directive instructs both government-sponsored enterprises to develop proposals for considering crypto assets without requiring conversion to U.S. dollars. This affects the $230 billion annual FHA single-family mortgage market.

Key Requirement: Crypto assets must be stored on U.S.-regulated centralized exchanges subject to all applicable laws.

Market Growth Projections: Crypto-Backed Real Estate Loans and Adoption (2024-2030)

What This Means for Your Business

The directive opens unprecedented opportunities for agents to serve the 65 million Americans who own cryptocurrency. With Bitcoin trading at $106,900 and crypto-backed loans surging 333% in Q1 2025, a massive new client base is emerging.

Timeline and Implementation

  • Q3-Q4 2025: Implementation guidelines expected

  • Early 2026: Full operational capability

  • Immediate: Start crypto education and partnerships

The repeal of SAB 121 in January 2025 already removed banking barriers, allowing institutions to custody digital assets. Combined with this FHFA directive, traditional mortgage barriers for crypto holders are rapidly disappearing.