The U.S. housing finance landscape may be on the brink of a huge shift as Federal Housing Finance Agency (FHFA) Director Bill Pulte, appointed in March 2025 under President Donald Trump, announced plans to study cryptocurrency holdings, including Bitcoin (CRYPTO: BTC), for mortgage qualifications.
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What Happened: This move has sparked widespread interest and debate, with Strategy Inc.‘s (NASDAQ:MSTR) Michael Saylor stepping forward to offer Strategy’s (formerly MicroStrategy) Bitcoin Credit Model to support the initiative.
Pulte, a known Bitcoin advocate and grandson of Pulte Homes’ founder, oversees the FHFA, which regulates $7.5 trillion in mortgage-backed securities through Fannie Mae (OTC:FNMA) and Freddie Mac (OTC:FMCC).
His post has ignited hope among crypto enthusiasts. “We will study the usage of cryptocurrency holdings as it relates to qualifying for mortgages,” with Saylor responding by sharing a model assessing BTC risk based on price volatility, loan duration, and collateral …